Under which coverage are detached structures classified, like a garage or shed?

Detached structures such as garages and sheds fall under Coverage B in a homeowners insurance policy. This coverage is specifically designed to provide protection for other structures on the property that are not attached to the main dwelling. Coverage B typically includes items like fences, sheds, guest houses, and detached garages.

This classification is important as it allows policyholders to understand how their property is protected and ensures that they have adequate coverage for structures that are separate from their primary residence. Understanding the distinction among the coverages helps in effectively managing insurance needs and ensuring comprehensive protection for different types of property.