Coverage B – Other Structures
Definition:
The portion of a policy that insures buildings not attached to the main home.
Explanation:
This includes garages, sheds, fences, and similar structures. Coverage is usually a set percentage of Coverage A.
Example:
If a windstorm knocks down your detached garage, Coverage B pays for repairs.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.