Other Structures Insurance in California

What We Offer

Other Structures Insurance in California

Protect More Than Just Your Home When you think about protecting your home, it's not just the house itself that matters. Garages, fences, sheds, gazebos, and even driveways play an important role in your property’s value and functionality. That’s where Other Structures Insurance comes in. At Western Insurance Services, we help California homeowners secure the right protection — not just for their primary residence, but for all detached structures on their property. Whether you’re looking to expand your coverage or understand what’s included in your current homeowner policy, we’re here to guide you.

Homeowners Insurance

What Is Other Structures Insurance?

Other Structures Insurance is a part of a standard Homeowner insurance policy. It covers buildings and improvements on your property that are not attached to your main dwelling. This can include:

Detached garages
Sheds and workshops
Fences and walls
Guest houses
Driveways and sidewalks
Pool houses or cabanas
Pergolas and gazebos

In the event of fire, theft, vandalism, or weather-related damage, this coverage ensures you’re not left footing the repair bill for these additional structures.

Why Do You Need Loss of Use Coverage?

Disasters don’t just damage your house—they disrupt your daily life. While your home is being repaired, expenses can pile up quickly. Loss of Use coverage ensures you won’t have to bear those extra costs alone. It allows you to maintain your standard of living during a difficult time without exhausting your savings.

Why It Matters

Many homeowners assume their primary home insurance covers everything on their property. Unfortunately, that’s not always the case. Other Structures Insurance ensures comprehensive property protection — giving you peace of mind knowing every corner of your land is safeguarded.

Bundling Coverage with Liability Protection

While your detached structures are important, don’t forget to consider General Liability insurance as part of your homeowner strategy. It helps cover legal or medical expenses if someone is injured on your property — even in areas like your detached garage or driveway.

Let our team at Western Insurance create a customized protection plan that fits your property layout and lifestyle.