What is specifically covered under coverage B in property coverage?

Coverage B in property insurance specifically pertains to "Other Structures" at the same location as the main dwelling. This may include detached garages, fences, sheds, or other buildings that are not attached to the primary home. The purpose of this coverage is to protect these additional structures from risks such as fire, theft, and vandalism, assuming these risks are among those covered by the policy.

Understanding this coverage helps homeowners ensure they have sufficient protection for all structures on their property, not just the main residence. Other choices do not fit within the definition of Coverage B. For instance, the main dwelling falls under Coverage A, personal property is typically covered under Coverage C, and land itself is not covered by standard property insurance since it cannot be damaged in the same way buildings or personal items can. Therefore, recognizing that Coverage B is intentionally for other structures clarifies its role in a comprehensive property insurance plan.