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Purchasing auto insurance is relatively simple, but homeowners insurance is another ballgame entirely. You have a lot more options when it comes to homeowners insurance, and you have to carefully understand your coverage to make sure everything you expect to be covered is covered. If you’re having trouble deciding on an amount for your other structures coverage for your Columbia, IL, home, here’s some of our best advice.

Generally, you will have a limit for the amount of other structures coverage you’re allowed to carry on your home. While there is no set rule that covers every insurance policy, the general rule is that you’re only allowed to carry other structures coverage up to 10% of the total value of the building you’re covering. This means that if you’re carrying $200,000 worth of insurance on your home itself, your other structures coverage may be limited to $20,000. If you want the maximum other structures coverage, the best way to get it is to figure out this limit.


The easiest way to figure out how much coverage you need for your other structures is to figure out how much your other structures are valued at. These structures include things like fences, detached garages and shops, gazebos, and even swimming pools. So, how can you figure out how much your other structures are valued at? While it may not be the simplest way to do it, the most accurate method of figuring out how much other structures coverage you need is to get an estimate on rebuilding your other structures from a contractor. Simply have a contractor take a look at your garage, fence and whatever else you want to insure and give you an estimate.

Keep in mind that it’s never a bad idea to have more coverage than you need. Damage to your detached garage or shed will seem much more minor if your insurance covers it.

An Easy Answer
If you want to know the easiest way to figure out exactly what you need in your homeowners insurance policy, simply talk with an insurance agent and ask them to help you figure out how much coverage you need. If you need help finding the right homeowners insurance policy, Yaekel & Associates Insurance Services, Inc can help you get the best coverage for your home without breaking your budget. Give us a call at 618-233-0024 to learn more.