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

Detached structures such as garages or sheds fall under Coverage B, which is specifically designed to protect "Other Structures" on the property. This coverage is part of homeowners' insurance policies, where Coverage A typically pertains to the dwelling itself, Coverage C addresses personal property within the home, and Coverage D deals with loss of use or additional living expenses incurred if the home is uninhabitable due to a covered loss.

Coverage B recognizes that structures that are not attached to the main dwelling, like a detached garage or a storage shed, may still be valuable and necessary for the homeowner. This coverage offers protection against perils such as fire, vandalism, and certain weather events, ensuring that the homeowner can repair or replace these structures if they suffer damage.