What does Coverage B - Other Structures in a homeowners policy specifically cover?

Coverage B - Other Structures in a homeowners policy specifically provides coverage for detached structures on the insured property. This includes buildings that are not attached to the primary dwelling, such as a garage, shed, fence, or gazebo. The purpose of this coverage is to protect these additional structures from risks or perils that the policy covers, such as fire, vandalism, or certain natural disasters.

This aspect of the homeowners policy recognizes that homeowners often have multiple structures on their property that can also be at risk, and ensures that these structures have financial protection in case of damage. It is important for policyholders to be aware of this coverage, as it extends their protection beyond just the primary residence to encompass other valuable assets on their property.

The other potential choices would not address the specific nature of Coverage B. Personal liability relates to legal responsibilities for injuries to others, contents coverage pertains to items inside the dwelling itself, and living expenses during repairs are typically covered under Additional Living Expenses, which is a separate provision.