Insurance · Homeowners Policies

Under a standard homeowners policy, which structure on the property would typically be covered under Coverage B (Other Structures)?

Correct answer

A detached garage — Coverage B covers structures not attached to the main dwelling; typically limited to 10% of the dwelling coverage amount; excludes structures used for business

A The main dwelling
B A detached garage — Coverage B covers structures not attached to the main dwelling; typically limited to 10% of the dwelling coverage amount; excludes structures used for business
C A tree that falls on the house
D Personal property inside the garage

Why this is the answer

HOMEOWNERS COVERAGE B — OTHER STRUCTURES: Covers: Detached garages; Fences; Sheds; Swimming pools (structure, not water or contents); Driveways; Sidewalks; In-ground sprinklers; LIMIT: Typically 10% of Coverage A (dwelling) — a $300,000 dwelling = $30,000 for other structures; EXCLUSIONS: Structures rented to non-residents; structures used for business purposes (business use exclusion is important — a home-based commercial garage is excluded from Coverage B; would need a commercial policy or endorsement); COMPARE: Coverage A (dwelling); Coverage B (other structures); Coverage C (personal property); Coverage D (loss of use/ALE).

Source: Insurance Property — Homeowners, Coverage B Other Structures

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Under a standard homeowners policy, which structure on the property would typically be covered under Coverage B (Other Structures)?

Why this is the answer

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