What does Coverage B in a property insurance policy cover?

Coverage B in a property insurance policy specifically addresses the insurance coverage for "other structures" on the insured property. This typically includes structures that are not attached to the main dwelling, such as garages, sheds, fences, and pools. The purpose of this coverage is to protect these additional structures from risks such as damage from fire, theft, or vandalism, similar to how the primary residence is protected.

This coverage is essential as it extends the policy's protections beyond just the main dwelling, ensuring that homeowners are not left vulnerable to financial loss from damages incurred to these other structures.

The other options, while related to property insurance, do not fall under Coverage B. Personal property would be covered under a different section, typically under Coverage C, while personal liability falls under coverage that protects policyholders against legal claims and is not directly related to structural coverage. Loss of use pertains to coverage for additional living expenses when a property is uninhabitable due to a covered loss, which is also categorized separately.