Which coverage is designed for additional structures on the property such as sheds and fences?

Coverage B is specifically designed to provide protection for additional structures that are not attached to the main dwelling. This includes items such as detached garages, sheds, fences, swimming pools, and other structures that are on the same property but separate from the primary residence. This type of coverage is essential for safeguarding the investment in these structures, ensuring that if they are damaged or destroyed due to a covered peril, the homeowner can receive compensation for repairs or replacements.

In contrast, Coverage A typically covers the primary dwelling itself, while Coverage C is aimed at personal property within the home. Coverage D addresses loss of use, which pertains to the inability to live in the home due to damage. Understanding the distinctions between these coverages allows homeowners to better protect their assets and ensure they have appropriate insurance in place for all structures on their property.