If Sherrie's typical HO-3 policy has a $150,000 limit for Coverage A - Dwelling, how much coverage does she have for damage to her fence?

The amount of coverage for damage to outbuildings or fences under a homeowners insurance policy, like the HO-3, is typically a percentage of the Coverage A limit. In most standard policies, Coverage B, which pertains to other structures, often provides coverage equal to 10% of the Coverage A limit.

In this scenario, Sherrie's HO-3 policy has a Coverage A limit of $150,000. Therefore, 10% of that amount would be $15,000, which would apply to structures not attached to the dwelling, such as fences.

This systematic calculation clearly defines why $15,000 is the appropriate coverage for the fence, aligning with how homeowners policies are generally structured regarding other structures.