When most people think about home insurance, they picture coverage for the main house: the roof, walls, and everything inside. But what about the other parts of your property? Those smaller structures, like sheds, fences, and detached garages, often fall under “other structures coverage.” C & H Insurance Associates LLC, serving South Carolina, explains.
Understanding Other Structures Coverage
Most standard home insurance policies in South Carolina include coverage for detached structures, usually about 10% of your dwelling coverage. This portion of your policy typically covers damage from fires, wind, hail, vandalism, and other perils listed in your plan.
What’s Covered and What’s Not
A detached garage, backyard shed, or even a decorative fence are all considered separate structures. If a tree falls on your shed during a storm, your insurance will likely help pay for repairs or a replacement. But if you use your detached garage as a rental unit or home business, you might need additional coverage. Insurance companies see business or rental use differently from personal property, and standard coverage may not apply.
Earthquakes and Special Considerations in South Carolina
While South Carolina isn’t known for major earthquakes, the Lowcountry and Charleston area have a history of seismic activity. Standard home insurance doesn’t cover earthquake damage, so if that’s a concern where you live, it’s worth asking your agent about an earthquake endorsement. The same goes for flood coverage, another common gap in standard policies.
Protecting Every Corner of Your Property
Your home extends beyond its four walls, and so should your protection. If you’re unsure how much coverage you have for your detached structures, or whether you need separate earthquake or flood insurance, talk with your local insurance agent at C & H Insurance Associates LLC, serving South Carolina. We can help make sure every structure on your property is properly covered before the next storm or surprise tremor hits.
