Other contracts that cover the same property and perils.

A clause that details what will be done if another insurance contract covers the same property. This clause is found in most insurance policies, aside from life and health insurance.
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States the way a loss will be shared when more than one property or liability policy covers the exposure.
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When two or more policies cover the same interests for the same exposures, each policy is said to represent other insurance to the other. Most insurance policies contain clauses that specify how or if claims will be paid if other insurance exists for the same exposures.

A building that is not a dwelling that is on the dwelling property. Other structures includes swimming pools, swing sets, barbecue pits, gazebos, and other structures. A structure is something that is built, and does not necessarily have four walls and a roof.

Structures, such as a garage or storage shed, which are separated from an insured dwelling by a clear space, or are connected only by a fence or utility line. Dwelling and Householders policies provide coverage for other structures.

Additional structures on the insured’s property that are detached from the insured’s home by an empty space. These structures may be connected by a fence or power line. Homeowners insurance usually covers these structures; for example, a tool shed or garage.

Treatment provided to the insured outside of the usual service area.

Treatment given to a member outside of the normal area.

The money the insured or covered person must pay themselves; for example, a co-payment.

The amounts the covered person must pay out of his own pocket. This includes such things as co-insurance, deductibles etc.