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 physically touching or attached to the main house.
Examples of other structures under Coverage B:
- Detached Garage/Carport
- Fence
- Gazebo
- Tool Shed
- Treehouse
- Barn
- Greenhouse
- Driveway (if not connected to the house)
- Pool (if not connected to the house via cement or other structure)
- Guest House
- Mailboxes
- Boat Dock
- Fountain
- 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 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.
At your service,
Young Alfred