What is typically excluded from 'coverage B' in a homeowners policy?

Coverage B in a homeowners policy typically pertains to other structures on the property that are not attached to the main dwelling, such as sheds, detached garages, and sometimes even swimming pools. However, structures that are used for business purposes are generally excluded from this coverage. This is because homeowners policies are not designed to cover business-related activities, as they carry different risks and insurance requirements. Business pursuits often require additional coverage beyond what a standard homeowners policy provides, thus making it important for homeowners to have a proper understanding of their insurance protections when it comes to business-related structures or activities.