What is included in the definition of "other structures" in an insurance policy?

The definition of "other structures" in an insurance policy typically encompasses structures on a property that are separate from the primary dwelling and are not designed for rental or commercial purposes. This includes items such as non-tenant buildings, like sheds or detached garages, and can extend to other private structures like a private garage. These "other structures" offer coverage that protects against damage to these additional buildings that support the main residential use of the property.

In contrast, public attractions and parks are generally not considered part of an individual's insurance coverage as they fall outside of a homeowner's property. Residential swimming pools, while they do belong to the property, could be treated differently under personal property or specific coverage clauses depending on policy language. Commercial buildings typically fall under specialized commercial insurance rather than homeowner policies, further distinguishing them from the personal scope of "other structures." Thus, the first option accurately captures the essence of what is included in the "other structures" definition within the context of homeowner's insurance policies.