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

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.