Coverage B – Other Structures

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Coverage B – Other Structures


What is Coverage B?

Coverage B, also known as Other Structures coverage, is a part of your homeowners insurance policy that protects structures on your property that are not physically connected to your home. This includes things like detached garages, sheds, gazebos, fences, and mailboxes.

How much coverage do I need?

The amount of Coverage B you need will depend on the value of the structures on your property. You should consider the cost to rebuild or repair each structure, as well as the cost to replace any contents that are stored in them.

How do I file a claim for Coverage B?

If a covered peril damages one of your other structures, you will need to file a claim with your insurance carrier. You will need to provide proof of the damage, such as photos or estimates. Your licensed claims insurance specialist will then assess the damage and provide a settlement review.

How can I increase my Coverage B?

If you have a lot of other structures on your property, or if the structures are particularly valuable, you may want to increase your Coverage B. You can do this by contacting your Insurance Agent to provide guidance on adding an endorsement to your homeowners insurance policy.


Coverage B is an important part of your homeowners insurance policy. It can help you protect your investment in other structures on your property. If you have any questions about Coverage B, be sure to talk to your Insurance Agent.

Here are some additional tips for understanding Coverage B:

  • Read your homeowners insurance policy carefully to understand what is covered and what is not.
  • Keep track of the value of your other structures so that you can make sure you have enough coverage.
  • Take photos of your other structures and keep them in a safe place.
  • Review your Coverage B coverage limits periodically to make sure they are still adequate.

By following these tips, you can help ensure that you are properly protected in the event of a covered loss.

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