In a homeowners policy, what does Coverage B - Other Structures typically insure?

Coverage B - Other Structures in a homeowners policy is designed to insure structures on the property that are not attached to the main dwelling. This includes structures such as detached garages, which are separate from the home itself. The primary function of this coverage is to protect the value of these additional structures in case of damage due to hazards like fire, theft, or vandalism.

While swimming pools, connected porches, and fences and landscaping may be important features of a property, they are generally covered under different sections of a homeowners policy. Swimming pools, for instance, might be covered under personal property or dwelling coverage when they are above ground, while permanently in-ground pools may be considered part of the dwelling itself. Connected porches are also typically covered under dwelling coverage, as they are attached to the main structure. Fences and landscaping can fall under liability coverage or may be included within the dwelling coverage, as part of the overall value of the home. Hence, the correct answer emphasizes Coverage B's focus on independent structures like detached garages.