What is an appurtenant structure?

An appurtenant structure refers to a structure that is associated with and belongs to the insured property, enhancing its use and function. This type of structure is typically situated on the same premises as the primary residence and serves a purpose that is connected to the use of that residence. Common examples of appurtenant structures can include garages, sheds, or fences that provide additional utility or security to the home.

In the context of insurance, understanding appurtenant structures is crucial because they may be covered under a homeowner's policy, often with specific conditions or limitations. Homeowners are encouraged to know what structures are considered appurtenant to ensure they are adequately insured against potential losses.

The other options do not accurately define an appurtenant structure. Structures unrelated to the primary residence do not enhance the insured property’s utility. Buildings designated for commercial use fall outside the definition, as they serve a different purpose than residential structures. Shared community facilities are also not considered appurtenant, as they are not exclusively tied to the individual property owner but rather to a larger community or group.