Appurtenance

What Does Appurtenance Mean?

An appurtenance is an item regarded as an accessory or supplementary part of a primary item to which it is connected.

In home insurance, appurtenance refers to property associated with the main dwelling. Most home insurance policies include coverage for a house’s appurtenances. Coverage limits for these structures are usually a percentage of the dwelling coverage, often around 10%, and a closer look at what homeowners insurance covers shows where appurtenances sit within a standard policy.

Insuranceopedia Explains Appurtenance

A house’s appurtenances include items considered attached to or associated with it. This encompasses not only the yard and trees but also additional structures on the property, such as garages, decks, and swimming pools, as well as items that are integral to the house, like air conditioning units, furnaces, and septic systems. Specific items can come with their own coverage rules. For instance, whether a policy pays for damage to garage doors often depends on the cause of the loss, since wear and tear is treated differently from sudden accidents.