Which coverage in dwelling policies insures an unattached garage?

Coverage B - Other Structures is designed to insure structures on the property that are not attached to the main dwelling, such as a detached garage, tool shed, or fence. This coverage is particularly important for homeowners who maintain additional structures that are not part of the dwelling's primary living space.

In the context of a dwelling policy, Coverage A pertains specifically to the actual dwelling itself and does not extend to unattached structures. Coverage C focuses on personal property within the dwelling and around the property, but again, does not cover structural elements. Coverage D relates to loss of use, which provides coverage for additional living expenses if the homeowner cannot use their dwelling due to a covered loss. Therefore, Coverage B is correctly identified as the section that provides insurance for an unattached garage.