What does "coverage B" usually refer to in homeowners insurance?

"Coverage B" in homeowners insurance typically refers to "Other structures coverage." This component of a homeowners policy provides protection for structures that are not attached to the main dwelling, such as detached garages, fences, sheds, or guesthouses. It is essential for homeowners to have this coverage, as it helps to ensure that all structures on their property are protected against specific risks, such as fire, vandalism, or severe weather events.

Other options may relate to different parts of a homeowners policy. For instance, personal property coverage generally falls under "Coverage C," which protects belongings inside the home. Liability coverage, which protects homeowners against claims for injuries or damages that occur on their property, is often included under "Coverage E" in many policies. Dwelling insurance for attached structures, which could also be vital for homeowners, is typically covered under "Coverage A." Understanding these designations helps policyholders know how their insurance is structured and what specific areas are covered.