Which statement is false regarding Coverage B - Other Structures in a homeowners policy?

The statement that Coverage B - Other Structures can be added by endorsement is indeed false. Coverage B, which is included in most homeowners policies, protects structures on the insured property that are not attached to the main dwelling, such as detached garages, sheds, or fences.

This coverage typically provides a set amount, often a percentage of the total Coverage A limit, such as 10% in many standard policies. It's important to understand that this benefit generally comes as part of the base policy, rather than needing to be explicitly added via endorsement.

The other choices accurately describe aspects of Coverage B. For example, the HO-4 policy, which is a renters insurance policy, does not include Coverage B because it is designed for tenants who do not own structures on the property. Additionally, land is not covered under Coverage B, as it specifically pertains to structures rather than the land itself. Thus, the correct assessment of Coverage B establishes that certain aspects are not dependent on endorsements, but are intrinsic to the policy itself.