Coverage B (Other Structures Coverage)
Insurance protection for structures on your property that are not attached to your main dwelling, such as detached garages, sheds, fences, or guest houses.
Detailed Explanation
This coverage is typically calculated as a percentage of your dwelling coverage (Coverage A), usually around 10%. It protects against the same perils that are covered under your dwelling coverage.
Practical Example
When a severe windstorm damaged Robert's detached garage and garden shed, his Coverage B paid for the repairs to both structures, minus his policy deductible.
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