What type of structures are included in Coverage B?

Coverage B in a homeowners insurance policy typically refers to "other structures on the premises." These structures are generally those that are not attached to the main dwelling but are still located on the insured property. This includes buildings like garages, sheds, and other detached structures that serve various purposes.

The inclusion of detached structures like sheds and garages is fundamental to Coverage B, as it provides financial protection for these items in case of damage from covered perils, such as fire or vandalism. Policyholders can feel more secure knowing that their property is protected beyond just the primary residence, which enhances the overall value of the insurance policy.

Other types of structures and amenities mentioned, such as shared structures or outdoor amenities like pools and patios, tend to fall under different coverage categories or may not be covered at all, depending on the specifics of the policy. Additionally, gates and fences are usually considered part of the dwelling and may not be distinctly covered under Coverage B. Thus, it's essential to focus on the specific purpose and characteristics of Coverage B to understand its scope correctly.