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What does Coverage B (Other Structures) in a homeowners policy cover?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

Detached structures on the insured's property — garages, sheds, fences, gazebos — typically limited to 10% of Coverage A (dwelling) limit

  1. A Detached structures on the insured's property — garages, sheds, fences, gazebos — typically limited to 10% of Coverage A (dwelling) limit
  2. B Coverage B does not exist in homeowners policies
  3. C The main dwelling only
  4. D The insured's business structures

Why this is the answer

Coverage B (Other Structures) covers structures on the insured's property that are separate from the main dwelling — detached garages, tool sheds, fences, driveways, in-ground pools, and similar. The standard limit is 10% of the Coverage A dwelling limit (e.g., $300,000 Coverage A = $30,000 Coverage B). Coverage B can be increased by endorsement if the insured has significant detached structures. Structures used for business purposes may require a business endorsement for coverage; structures rented to others are excluded from standard Coverage B.
Source: Property Insurance Exam, Coverage B Other Structures

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About this topic: Homeowners Policies

Homeowners questions cover the HO forms (HO-2 through HO-8), the coverage sections (dwelling, other structures, personal property, loss of use, liability, medical payments), the perils, exclusions and endorsements. This is one of 21 Property Insurance questions on homeowners policies, each with a full explanation on a single study page.

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