Coverage B in a Homeowners policy generally covers what?

Coverage B in a Homeowners policy specifically pertains to "Other structures on the premises." This coverage is designed to protect structures that are not attached to the main dwelling, such as garages, sheds, fences, and other outbuildings. These structures are typically covered against risks like fire, theft, and vandalism, similar to the main dwelling under Coverage A, but each policy may have its own specific limits and conditions for Coverage B.

Other choices reference different types of coverage. Personal liability, as termed in another choice, addresses the insured's legal responsibility for injuries or damages to others, while trees and shrubs, mentioned separately, could fall under a specific coverage typically categorized outside of Coverage B. Personal property in transit refers to items being transported away from the insured location, which would be part of a different coverage segment entirely. Coverages in homeowners insurance are distinctly categorized to ensure clarity on what is protected under each part of the policy.