What type of structures are protected under Coverage B of an HO policy?

Coverage B of a homeowner's insurance policy specifically protects other structures on the property that are not attached to the primary dwelling. This typically includes items like detached garages, tool sheds, gazebos, and other similar structures that are separate from the main house. These structures are considered "other" than the insured dwelling, which is covered under Coverage A.

Unattached dwellings such as guest houses or any additional buildings used for personal purposes without being directly attached to the main home fall under this coverage. Landscaping can also be included, but it usually refers to items like fences, driveways, or similar structures rather than flora or gardens themselves.

Understanding how Coverage B functions is essential for homeowners because it allows protection of various structures that may not be used for business purposes or as vehicles, which are specifically excluded from this coverage. Additionally, personal property, while important, is covered under a different section of the policy, usually under Coverage C. Therefore, the focus on unattached structures under Coverage B is pivotal since these are often vital to enhancing the property's value and utility.