What does Dwelling Coverage B protect?

Dwelling Coverage B specifically provides protection for other structures that are separate from the primary dwelling, such as detached garages, sheds, or fences. This coverage is essential because it recognizes that many residential properties contain additional structures that can be vulnerable to damage from perils such as fire, wind, or vandalism. By including this coverage, homeowners ensure that these additional structures are also protected under their insurance policy, reducing their financial risk in the event of a loss.

The focus of coverage here is distinctly on these other structures, differentiating them from the primary dwelling itself and the personal belongings of tenants or the insured, which are specifically covered under different portions of a homeowner's insurance policy. This clarity helps insured individuals understand what parts of their property are covered under various sections of their policy, enabling them to make informed decisions regarding their risk management strategies.