What does Coverage B in a dwelling policy cover?

Coverage B in a dwelling policy specifically covers detached structures on the property. These structures can include garages, tool sheds, fences, and other outbuildings that are not attached to the main dwelling. This coverage provides protection against damages caused by perils such as fire, windstorm, and vandalism, similar to what is offered for the main dwelling under Coverage A, but it is focused on structures that are separate from the primary residence. Understanding this aspect is crucial as it helps policyholders know the extent of their coverage and the protection available for these additional structures on their property.