Replacement Cost For Other Structures
If you have a unique mosaic patio, metal fencing, or a custom fire pit on your insured property, you should consider adding Replacement Cost coverage for Non-Building Structures. Your out-buildings are covered at replacement cost, but non-building structures are typically covered at actual cash value. This coverage provides replacement costs for things like masonry walls, patios, and sidewalks that are on your insured property. Contact your underwriter to learn more.