TN Home-Owners Insurance-Other Structures

This section of the TN Home Insurance Policy provides insurance coverage for other structures on the home or residence premises, separated from the home or dwelling by clear space. Structures with a separation from the home and its foundation and linked by only a conduit, deck, fence, patio, utility line, walk, or similar connector means that structure is an "other structure".

Other Structures Include But May Not Be Limited To:

Barns
Fences
Gazebos
Sheds
Detached garages

Normally This Insurance Coverage DOES NOT Apply To:

Land, including land on which the other structures are located
Other structures used in whole or in part for business purposes

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When "Actual Cash Value" is used, the owner of the home insurance policy will be reimbursed for the damaged property at its' "depreciated value".

Under the "Replacement Cost" coverage, the owner of the Tennessee home insurance policy is reimbursed an amount necessary to replace the damaged property with one of similar type and quality at "current prices".

Please don't confuse your home's current market value with the amount of money it would take to completely rebuild it, should it be totally destroyed.

Descriptions of TN Home Insurance Policy Terms and Provisions Contained In This Web Site Are Brief And General In Nature And Should Not Be Taken As A Home Insurance Policy Contract. Complete Home Insurance Terms And Provisions Are Explained In Detail In Your Individual Insurance Policy And Those Terms, Definitions And Provisions Will Apply.

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