Understanding your homeowner’s insurance policy can feel overwhelming, but knowing what each coverage section protects is crucial. One important section is Coverage B, often referred to as “Other Structures” coverage. This part of your policy protects structures on your property that *aren’t* attached to your main dwelling. Think of it as the safety net for all those extra buildings that make your property a home.
Coverage B can help you repair or rebuild these structures if they’re damaged by a covered peril (like fire, wind, or vandalism). It’s important to note that there are limitations and exclusions, so always read your policy carefully.
So, what exactly does Coverage B cover? Here’s a list of common examples:
- Detached Garages: Whether it’s a single-car garage or a multi-car structure, Coverage B usually protects it.
- Sheds: Garden sheds, storage sheds, or any other detached shed on your property are generally covered.
- Fences: Most fences, whether they’re wood, chain-link, or another material, fall under Coverage B.
- Gazebos and Pergolas: These outdoor structures designed for relaxation and shade are typically covered.
- Pool Houses: If you have a detached pool house, Coverage B can help with repairs after a covered loss.
- Guest Houses (rental limitations may apply): Separate living spaces, sometimes called in-law suites or guest houses, if detached, are often covered, though using them as rentals can impact coverage. Check your policy details.
- Driveways and Walkways: While not structures in the traditional sense, some policies extend Coverage B to include damage to driveways and walkways.
Remember that Coverage B limits are typically a percentage of your Coverage A (Dwelling) limit. For example, it might be 10% of your dwelling coverage. If you have extensive other structures on your property, make sure your Coverage B limit is sufficient to cover potential losses. Always review your policy and discuss any concerns with your insurance agent to ensure you have adequate protection.
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