What is an example of an appurtenant structure covered under property insurance?

An appurtenant structure is defined as a structure that is not attached to the main building but is considered part of the property. A detached garage fits this description perfectly, as it is a structure that serves a beneficial function for the main residence, such as providing storage for vehicles, tools, or equipment.

Property insurance typically covers appurtenant structures because they are functionally associated with the primary residences, enhancing the overall value and utility of the property. In this case, a detached garage would be automatically covered under the homeowner's insurance policy, highlighting its significance as part of the property.

The other options do not align with the definition of an appurtenant structure. A guest's car parked on the property is a movable item and would not be considered part of the real property itself. A liability action against the homeowner refers to a legal issue rather than a physical structure, and a neighboring property is not owned by the homeowner, thus it cannot be classified as an appurtenant structure. Therefore, the correct answer demonstrates an understanding of how appurtenant structures contribute to the insured property and contribute to overall coverage.