Coverage B – Other Structures Clause Samples
The "Coverage B – Other Structures" clause defines insurance protection for structures on a property that are separate from the main dwelling, such as detached garages, sheds, or fences. This coverage typically applies to buildings that are not physically connected to the primary residence and may have a specified coverage limit, often a percentage of the main dwelling's insured value. Its core function is to ensure that homeowners have financial protection for additional structures on their property, addressing potential repair or replacement costs that might otherwise be excluded from standard dwelling coverage.
Coverage B – Other Structures. 1. We cover other structures on the Described Location, set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line or simi- lar connection.
2. We do not cover:
a. Land, including land on which the other structures are located;
b. Other structures rented or held for rental to any person not a tenant of the dwelling, un- less used solely as a private garage;
c. Other structures used in whole or in part for commercial, manufacturing or farming pur- poses. However, we do cover a structure that contains commercial, manufacturing or farming property solely owned by you or a tenant of the dwelling provided that such property does not include gaseous or liquid fuel, other than fuel in a permanently in- stalled fuel tank of a vehicle or craft parked or stored in the structure; or
d. Gravemarkers, including mausoleums.
Coverage B – Other Structures. 1. We cover other structures on the Described Location, set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line or similar connection.
2. We do not cover:
a. Land, including land on which the other structures are located;
b. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;
c. Other structures used in whole or in part for commercial, manufacturing or farming purposes. However, we do cover a structure that contains commercial, manufacturing or farming property solely owned by you or a tenant of the dwelling, provided that such property does not include gaseous or liquid fuel, other than fuel in a permanently installed fuel tank of a vehicle or craft parked or stored in the structure; or
d. Gravemarkers, including mausoleums.
Coverage B – Other Structures. 1. We cover other structures on the "residence premises" set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line or similar connection.
2. We do not cover:
a. Land, including land on which the other structures are located;
b. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;
c. Other structures from which any "business" is conducted; or
d. Other structures used to store "business" property. However, we do cover a structure that contains "business" property solely owned by an "insured" or a tenant of the dwelling provided that "business" property does not include gaseous or liquid fuel, other than fuel in a permanently installed fuel tank of a vehicle or craft parked or stored in the structure.
3. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Coverage A. Use of this coverage does not reduce the Coverage A limit of liability.
Coverage B – Other Structures. We cover other structures on the Described Location, set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or similar connection. This coverage does not apply to land, including land on which the other structures are located. We do not cover other structures:
Coverage B – Other Structures. 1. We cover other structures on the “residence premises” set apart from the dwelling by a clear space. This includes all fences whether attached or detached to the dwelling and structures connected to the dwelling by only a fence, utility line, or similar connection.
2. We do not cover:
a. Land, including land on which the other structures are located;
b. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;
c. Other structures from which any "business" is conducted; or
d. Other structures used to store "business" property. However, we do cover a structure that contains "business" property solely owned by an "insured" or a tenant of the dwelling, provided that "business" property does not include gaseous or liquid fuel, other than fuel in a permanently installed fuel tank of a vehicle or craft parked or stored in the structure.
3. The limit of liability for this coverage will not be more than the limit of liability shown in the Declarations for Coverage B. Use of this coverage does not reduce the Coverage A limit of liability.
Coverage B – Other Structures. Covered Property
Coverage B – Other Structures. 1. We cover other structures on the “residence premises” set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or similar connection.
2. We do not cover:
a. Land, including land on which the other structures are located;
b. Other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage;
c. Other structures from which any “business” is conducted; or
d. Other structures used to store “business” property. However we do cover a structure that contains “business” property solely
3. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Coverage A. Use of this coverage does not reduce the Coverage A limit of liability.
Coverage B – Other Structures. Your limit of liability for Coverage B - Other Structures automatically included in the Restorationist policy is 15% of the Estimated Replacement Cost of your Dwelling as shown on the Declarations page. Covered property losses are settled at replacement cost without deduction for depreciation, subject to the following:
1) We will pay the cost to repair, restore or replace, without deduction for depreciation, but not more than the least of the following amounts:
a) The limit of liability under this policy that applies to the building;
b) The replacement cost of that part of the building damaged for like construction and use on the same premises; or
c) The necessary amount actually spent to repair, restore or replace the damaged building.
2) We will pay no more than the actual cash value of the damage until actual repair or replacement is complete. Once actual repair or replacement is complete, we will settle the loss according to the provisions of b.1) above.
a) Less than 5% of the amount of insurance in this policy on the building; and
b) Less than $2,500;
Coverage B – Other Structures. The following below 2.d is added:
Coverage B – Other Structures. We cover other structures on the residence premises, separated from the dwelling by clear space. Structures connected to the dwelling by only a fence, utility line, or similar connection are considered to be other structures. We do not cover other structures used in whole or in part for business purposes, or other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage. This coverage does not apply to land, including land on which the dwelling is located.