What is the function of Coverage B in a homeowners policy?

Coverage B in a homeowners policy specifically addresses the protection of other structures on the property that are not attached to the primary dwelling. This can include items such as garages, sheds, fences, and other buildings that are located on the same premises as the main insured home.

The importance of Coverage B lies in its ability to extend the homeowner's protection beyond just the main living space. For instance, if a tree falls on a detached garage or a fire damages a shed, this coverage can assist in paying for the repairs or replacement of these structures, ensuring that the homeowner is not left financially vulnerable due to damage to these additional buildings.

This policy provision is vital for homeowners who have multiple structures on their property, as it recognizes that these additional buildings also hold value and deserve insured protection.