What type of property losses does Coverage B in a homeowners policy cover?

Coverage B in a homeowners policy specifically provides protection for "other structures" on the insured property. This includes structures that are not attached to the main dwelling, such as detached garages, sheds, fences, and swimming pools.

This type of coverage ensures that if these structures are damaged or destroyed due to a covered peril—such as fire, theft, or vandalism—the policyholder can receive compensation for the loss. This is crucial as it safeguards additional investments made in the property beyond the primary residence.

By focusing on covering other structures, Coverage B allows homeowners to maintain the overall value of their property and helps cover the costs associated with repairing or rebuilding these structures if they are affected by unforeseen events.