What does HO Property Coverage B specifically cover?

HO Property Coverage B specifically covers "Other structures" that are not attached to the main dwelling. This includes items such as garages, fences, sheds, and other similar structures located on the insured property, provided they meet certain conditions related to their use and ownership.

It is important to understand the distinction of Coverage B from other coverages offered under a homeowners policy. For instance, personal property like jewelry and electronics falls under a different category and is covered under a separate section of the policy. Similarly, personal liability for injury and property damage is covered under a different part of the policy entirely, which safeguards against claims for bodily injury or property damage to third parties. Loss of use and additional living expenses, on the other hand, apply to situations where the insured property is uninhabitable due to a covered loss, focusing on the compensation for temporary living costs rather than physical structures.

Thus, the primary role of Coverage B is to insure structures that are not part of the main residence, providing additional protection for these separate entities on the property.