What is the typical limit for the Other Structures coverage under HO Property Coverage B?

The Other Structures coverage, also known as Coverage B, in a standard homeowners insurance policy is generally set at a limit of 10% of the Coverage A amount. Coverage A refers to the dwelling itself, and coverage for other structures provides protection for buildings that are not attached to the main dwelling, such as detached garages, sheds, or fences.

This provision is important because it ensures that policyholders have a certain level of financial protection for these additional structures without needing to purchase additional, specialized coverage. The 10% limit is a standard practice across many homeowners insurance policies, making it critical for policyholders to be aware of this feature when assessing their coverage needs.

Understanding this limit can also help policyholders evaluate whether they may need to adjust their policies based on the value of any other structures they have on their property. If these structures are worth more than the typical 10%, homeowners may want to consider endorsements or additional coverage options to ensure they are fully protected.