What does Coverage B in a dwelling policy cover?

Coverage B in a dwelling policy specifically addresses the protection of other structures on the premises, which are not attached to the main dwelling. This can include items like detached garages, sheds, fences, or guesthouses. The purpose of this coverage is to insure those additional structures against risks like fire, vandalism, or certain natural disasters, similar to how the main residence is insured under Coverage A. By extending coverage to other structures, the policy provides comprehensive protection for the entire property, ensuring homeowners are safeguarded against potential losses related to their entire premises, not just the living area.

Understanding this coverage is crucial for homeowners, as it helps them evaluate their insurance needs comprehensively. Recognizing what constitutes "other structures" allows individuals to better assess potential risks and the need for adequate insurance coverage involving their entire property.