What does 'coverage B' refer to in a homeowners policy?

Coverage B refers specifically to additional structures on the property that are not attached to the main residence. This typically includes features such as garages, sheds, fences, and other outbuildings. Homeowners insurance policies often delineate different types of coverage to help insured individuals understand what is protected under their policy, and Coverage B is designed to ensure that separate, yet integral, structures on the property receive adequate protection in the event of a loss.

For homeowners, understanding that Coverage B provides financial protection for these other structures is crucial. It helps safeguard the homeowner's investment in their entire property, not just the dwelling itself. In the case of damage or loss due to covered perils, such as fire or severe weather, Coverage B will assist with repairs or replacement costs associated with these additional structures, allowing the homeowner to maintain the integrity and functionality of their property.