What is covered by Coverage B in a dwelling policy?

Coverage B in a dwelling policy specifically pertains to "Other structures." This coverage is designed to protect structures that are separate from the main dwelling. Examples of other structures may include detached garages, sheds, fences, or swimming pools. This coverage is important because it ensures that these additional buildings, which may hold value or be essential for the property owner's daily life, are included under the insurance policy.

Understanding Coverage B is crucial for homeowners, as it helps them assess whether their policy adequately protects all parts of their property, particularly when they have multiple structures on their lot that could be at risk of damage from covered perils.