What qualifies as an Appurtenant Structure?

An appurtenant structure qualifies as a detached structure on the insured property that is not connected to the primary dwelling yet is still associated with the property itself. This definition highlights that appurtenant structures have a functional or beneficial relationship to the main property, often providing additional utility or support. Examples can include detached garages, sheds, or guest houses.

In contrast, the primary dwelling refers specifically to the main living structure, and temporary structures typically do not fall under the category of appurtenant structures due to their transient nature. Additionally, structures that are not insured would not qualify as appurtenant, since such structures would not have a recognized relationship to the insured property. Thus, identifying appurtenant structures is essential in understanding insurance coverage and property rights within insurance contexts.