Which coverage would insure a garage that is not attached to the primary insured dwelling?

Coverage B specifically addresses structures that are not attached to the primary dwelling, such as detached garages, sheds, or other similar structures. This component of a dwelling policy allows homeowners to obtain coverage for these additional structures on their property, provided they are used for purposes permitted by the policy. It ensures that if a covered peril occurs, such as a fire or severe weather, the homeowner will be financially protected for the damages to the garage.

In contrast, Coverage A pertains to the primary insured dwelling itself and does not extend to separate structures. Coverage C deals with personal property and belongings within the principal dwelling and does not provide protection for structure damage. Coverage D addresses loss of use, which covers additional living expenses incurred when the home is uninhabitable due to a covered loss, but again, this is not relevant to coverage of a detached garage. Therefore, Coverage B is the correct choice for insuring a detached garage.