In homeowners insurance, what does "coverage B" typically refer to?

In homeowners insurance, "coverage B" specifically addresses the protection provided for detached structures that are not attached to the main dwelling. This can include items such as garages, sheds, fences, and other structures on the property. This aspect of coverage ensures that homeowners are financially protected in the event that these detached structures are damaged or destroyed by insured perils like fire, theft, or vandalism.

Understanding this coverage is important for homeowners, as it helps them to have a comprehensive insurance policy that protects not only their main residence but also other valuable structures on their property. Individual items categorized under coverage B are generally valued separately from the primary home, emphasizing the importance of assessing the overall risk associated with all structures within the property boundaries.