Coverage B: Other Structures in Home Insurance
The second line item on your home insurance declaration page is usually Coverage B: Other Structures. Coverage B is the dollar limit for any structure on your property, but not touching the main house (e.g., not attached, emotionally or otherwise).
Examples of other structures under Coverage B:
- Detached Garage/Carport
- Tool Shed
- Driveway (if not connected to the house)
- Pool (if not connected to the house via cement or other structure)
- Guest House
- Boat Dock
- Basketball Court (if not attached to the house)
- Landscaping Structures
Note: Trees are NOT in Coverage B
If you don't have any of these on your property, then you probably won't need too much Coverage B on your homeowners insurance. The default Coverage B limit is 10% of your Coverage A limit. If you have any large structures from the list above or have multiple detached structures, it is best to let your insurance agent know you need higher Coverage B limits on your policy. That way, you won't be underinsured when disaster strikes.
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