What does Coverage B in an HO policy protect?

Coverage B in a Homeowners (HO) insurance policy specifically protects "other structures" on the insured property that are not attached to the main dwelling. This typically includes structures like detached garages, tool sheds, fences, and other outbuildings. It provides coverage for damages caused by incidents such as fire, theft, or natural disasters, ensuring that the policyholder has financial protection for these additional properties.

This distinction is crucial because while Coverage A covers the primary residence itself, Coverage B ensures that other important structures on the property are also safeguarded under the policy terms. Understanding the details of these coverages is essential for homeowners to ensure that they have adequate insurance for all aspects of their property.