What coverage does Coverage B in a Homeowners policy typically provide?

Coverage B in a Homeowners policy provides coverage for structures that are not attached to the main dwelling. This includes items such as detached garages, sheds, fences, or any other structures located on the property. The purpose of this coverage is to protect the value of these structures against risks such as fire, vandalism, or certain natural disasters, similar to how the main residence is protected under Coverage A.

Understanding this distinction is important in recognizing the scope of coverage provided by standard homeowners policies. Other options, while relevant to different aspects of a homeowners policy, serve different purposes. Personal property coverage refers to belongings inside the home, liability coverage addresses legal responsibilities to others, and medical payments coverage applies to injuries sustained on the property. Thus, interpreting Coverage B correctly helps homeowners understand their policy comprehensively and ensures they have adequate protection for all structures on their property.