What is meant by appurtenant structures in a property policy?

Appurtenant structures refer to buildings or structures that are situated on the same premises as the main insured building and serve a supportive or ancillary role to it. These can include garages, sheds, fences, and other buildings that may not hold the same value as the primary dwelling but are nonetheless important for the overall functionality and operation of the property.

Understanding this concept is crucial for both policyholders and adjusters, as it impacts coverage limits and claims processes. Coverage for appurtenant structures typically extends from the main property policy, protecting these additional structures against certain risks, assuming they meet the policy's conditions. The other listed options do not accurately capture the essence of what appurtenant structures are defined as within the context of property insurance. Buildings that are completely independent do not fall under this classification since appurtenant structures must be directly related to or situated with the primary insured building, while commercial buildings and unoccupied structures also do not fit the definition of appurtenant.