Coverage B - Other Structures

Coverage B in a homeowners insurance policy provides protection for other structures located on the residence premises.

Coverage B Qualification

"Other Structures" are defined as any building or structure not part of the primary residence, that is clearly separated from the main dwelling. If a structure is connected to the residence by something more substantial than a utility line or fence, such as an attached garage, it will be considered part of the dwelling rather than an "other structure."

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Coverage Requirements

The following are not covered under Coverage B:

• The land on which other structures are located.
• Structures used for business purposes.
• Structures rented out to someone who is not a tenant of the primary dwelling.

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