What is typically covered under Property Coverage B in a homeowners policy?

Property Coverage B in a homeowners policy specifically addresses coverage for other structures that are not attached to the primary dwelling. This typically includes structures such as detached garages, sheds, fences, and other outbuildings. These structures are often essential to a homeowner's property but are distinct from the home itself.

This coverage is important because it protects against perils such as fire, theft, vandalism, and certain types of damage that could affect these additional structures. For instance, if a homeowner's detached garage were to be damaged by a storm, Property Coverage B would help cover the costs of repairs or rebuilding, up to the policy limits.

In contrast, personal property refers to the homeowner's belongings inside the house, liability coverage pertains to protection against claims of negligence or harm to others, and loss of use coverage helps with additional living expenses if a home is uninhabitable due to a covered peril. Each of these other components serves different purposes in a homeowners insurance policy and does not fall under Property Coverage B.