Coverage B, often called “Other Structures Coverage,” is the part of a homeowners insurance policy that protects structures on your property that aren’t physically attached to your main home. While Coverage A focuses on the dwelling itself, Coverage B makes sure your detached buildings are covered too.

What Counts as “Other Structures”?

Common examples include:

• Detached garages
• Sheds and storage buildings
• Fences
• Gazebos and pergolas
• Carports
• Guest houses or small cottages not connected to the main home

How Much Coverage Do You Get?

Most policies automatically set Coverage B at a percentage of your main dwelling coverage—typically around 10%. For example, if your home is insured for $400,000, your Coverage B limit may default to about $40,000. Depending on your property, you may be able to increase this limit if you have larger or newly built structures.

What Does Coverage B Protect Against?

It generally covers damage to detached structures caused by the same perils your main home is insured for, such as wind, hail, fire, or vandalism. For homeowners in coastal areas like the Outer Banks, this can be especially important, since detached buildings often face increased exposure during storms.

Is Your Coverage B Enough?

If you've added new structures or upgraded existing ones, it’s a good idea to review your limits. Making sure your other structures are properly insured helps protect your entire property—not just your home.