Coverage B in a property insurance policy generally covers what percentage of the dwelling?

In most property insurance policies, Coverage B refers to coverage for other structures on the property that are not attached to the main dwelling, such as a detached garage, shed, or fence. Typically, Coverage B is stated as a percentage of the Coverage A limit, which is the dwelling coverage.

In many policies, this percentage is commonly set at 10%. This means that if the homeowner has a dwelling coverage limit of, say, $200,000, the Coverage B limit for other structures would be $20,000. This distinction helps ensure that homeowners have adequate protection for structures on their property that are not included in the primary dwelling coverage.

Understanding this allocation is crucial for homeowners to ensure that they have sufficient coverage for all their property, as they may have valuable structures that need to be protected.