What structures are included under Coverage B?

Coverage B in a typical homeowners insurance policy refers specifically to "Other Structures" that are on the same property as the main dwelling but are not attached to it. This includes private structures such as detached garages, fences, tool sheds, and similar outbuildings. These structures are covered under this specific coverage to ensure that the property owner is protected against incidents such as fire or vandalism that may occur to these additional structures.

The focus of Coverage B is on providing protection for structures that serve personal or household functions but are physically separate from the primary residence. This is significant in personal lines insurance, where homeowners often have various structures on their property that might need separate coverage considerations.

When considering other options, all structures on the property without limitation would encompass both the main dwelling and any connected structures, which could create overlap with the main coverage. The only inclusion of the main dwelling restricts the scope of Coverage B, making it insufficient for its intended purpose. Lastly, structures rented to others are typically covered under different provisions related to rental properties and liabilities, which also would not fall under Coverage B designed for personal-use structures.