Structures separated by clear space from the dwelling are covered under which part of the Homeowners Policy?

Structures that are separate from the dwelling, such as sheds, detached garages, or fences, are typically covered under Coverage B in a Homeowners Policy. This section specifically deals with "Other Structures" on the insured premises that are not attached to the main dwelling. The intent of Coverage B is to provide protection for these additional structures against risks such as fire, vandalism, and certain natural disasters, just as with the primary residence.

This makes Coverage B essential for homeowners who have valuable outbuildings or improvements on their property, as it ensures they are financially protected in the event of a covered loss. The distinction is important as Coverage A is reserved for the dwelling itself, Coverage C addresses personal property, and Coverage D pertains to loss of use, which relates to additional living expenses if the home becomes uninhabitable due to a covered loss. Understanding these coverages helps homeowners make informed decisions about their insurance needs.