What is covered under Coverage B of a dwelling policy?

Coverage B of a dwelling policy specifically covers "Other Structures" on the insured property. This includes any structures that are not attached to the main dwelling, such as garages, sheds, fences, or guest houses. Coverage B is designed to protect these additional structures from risks such as fire, vandalism, and certain natural disasters, similar to how the main dwelling is covered under Coverage A.

This type of coverage is important for homeowners because it provides financial protection for valuable structures on their property that could incur damage or loss. Understanding the specifics of Coverage B helps homeowners ensure they have comprehensive insurance that aligns with their needs.