What are "Other Structures" as defined in insurance terms?

"Other Structures" in insurance terms refers specifically to buildings or structures on the property that are separate from the main dwelling. This includes items such as detached garages, sheds, fences, and similar structures that are not attached to the house but still located on the same premises.

This definition is important because it helps clarify what is covered under a homeowner’s insurance policy. Typically, the policy will provide a certain amount of coverage for these "Other Structures," separate from the coverage provided for the main dwelling. By identifying these structures and understanding their coverage, homeowners can ensure they have adequate protection for all aspects of their property.

The other options do not accurately capture the definition of "Other Structures." Commercial buildings are not considered under this personal lines coverage, as they fall into a different category. Structures with no restrictions is an ambiguous description that doesn't specifically pertain to how insurance categorizes property types. While garages can be part of "Other Structures," they are just one example and not the entirety of what qualifies under that definition. Thus, the correct understanding is that "Other Structures" pertains to all separate buildings on the premises rather than just a specific type of structure or a vague classification.