Appurtenant Structure

What Does Appurtenant Structure Mean?

Under a property insurance policy, buildings located on the same premises as the primary insured building are referred to as appurtenant structures.

Insuranceopedia Explains Appurtenant Structure

Appurtenant structures are located on the same parcel of property as the principal insured property. These may include sheds, gazebos, detached apartments, and pool houses.

Most policies typically cover these structures under most circumstances. For example, a home insurance policy might provide coverage for a separate garage up to 10% of the coverage amount for the home (the principal structure). That 10% sub-limit is standard in most policies, so homeowners with a large detached garage, a finished pool house, or a guest cottage should check whether the default amount matches the cost to rebuild those structures, which is part of figuring out how much homeowners insurance you need. Appurtenant structure coverage sits alongside dwelling and personal property protection in the basic list of what homeowners insurance covers.