Appurtenant Structures

Appurtenant structures in the context of Homeowners Insurance refer to additional buildings or structures on your property, such as a shed, detached garage, or fence, that are covered under your policy along with your main dwelling.

Example #1

For example, if you have a shed in your backyard and a detached garage on your property, these structures would be considered appurtenant structures.

Example #2

Another example could be a fence surrounding your property that is also covered under your homeowners insurance as an appurtenant structure.

Misuse

Misuse of coverage for appurtenant structures can occur when a policyholder fails to accurately disclose all structures on their property. This omission can lead to inadequate coverage in case of damage or loss to these additional structures.

Benefits

Having appurtenant structures covered under your policy ensures that in the event of damage or loss, you can receive compensation to repair or rebuild these structures. This added protection extends the coverage beyond just your main dwelling.

Conclusion

It is important for homeowners to accurately report all appurtenant structures to their insurance provider to ensure proper coverage. This transparency helps in protecting the full value of the property and provides peace of mind knowing that all structures are included in the insurance policy.

Related Terms

Homeowners InsuranceDwelling CoverageProperty Damage