In the context of a dwelling policy, what is the purpose of Coverage B?

Coverage B in a dwelling policy is specifically designed to cover other structures on the premises that are not attached to the main dwelling. This can include items like detached garages, sheds, and fences. The purpose of this coverage is to protect these additional buildings from specific perils such as fire, wind, or vandalism, ensuring that policyholders have financial protection for all structures that contribute to the value and functionality of their property.

Understanding the scope of Coverage B is essential for homeowners and landlords because it provides peace of mind, knowing that not just the main dwelling but also other valuable structures on their property are protected.