What is typically covered under 'other structures' in a homeowner's policy?

The coverage for 'other structures' in a homeowner's policy generally includes buildings or structures that are separate from the primary residence. This can encompass a variety of detached structures, such as garages, fences, sheds, and gazebos. The primary purpose of this coverage is to protect against risks that could lead to loss or damage to these ancillary structures, which are not covered under the policy's main dwelling coverage.

Detached garages are a common example, as they serve as standalone structures that provide additional utility but are not part of the main home. Fences also fall into this category, as they are external to the home and can sustain damage from various causes, including weather or accidents. Thus, these types of structures are explicitly included in the definition of 'other structures', making this answer correct.

In contrast, the main residence and its fixtures are covered under a different section of the policy, not 'other structures'. Landscaping and lawn care are typically not covered under this category as they are considered maintenance rather than structures. Driveways might also not qualify as a separate structure under standard definitions in most policies, as they are often included in the coverage for the main residence. This context illustrates why the inclusion of detached garages and fences is the appropriate answer.