What does Coverage B in a homeowners policy primarily cover?

Coverage B in a homeowners policy primarily covers structures that are detached from the main dwelling, such as garages, sheds, or fences. This coverage is essential for homeowners who may have additional buildings on their property that need protection against risks like fire, wind, or vandalism. It ensures that these structures, often used for various purposes, receive financial protection similar to the main house.

Understanding Coverage B is crucial because many homeowners may assume their policy solely covers their primary residence. Recognizing the distinction and having comprehensive coverage extends the safety net to all aspects of the property, helping homeowners avoid potential financial loss related to detached structures.