wooden gazebo with curtains and lighting
Coverage B: Other Structures in Home Insurance

The second line item on your home insurance declaration page is usually Coverage B: Other Structures. This shows the coverage limit for any structure on your property, but not touching the main house (eg not attached, emotionally or otherwise).

Some examples of other structures that would be covered under Coverage B:

  1. Detached Garage/Carport
  2. Fence
  3. Gazebo
  4. Tool Shed
  5. Tree house
  6. Barn
  7. Greenhouse
  8. Driveway (if not connected to house)
  9. Pool (if not connected to house via cement or other structure)
  10. Guest House
  11. Mailboxes
  12. Boat Dock
  13. Fountain
  14. Basketball Court (if not attached to house)
  15. Landscaping Structures

Note: Trees are NOT considered in Coverage B

If you don't have any of these on your property, then you probably won't be in need of too much Coverage B on your homeowners insurance. In most states, the default Coverage B limit is set to 10% of your Coverage A: Dwelling limit. If you have any large structures from the list above or have multiple detached structures, it is best to let your insurance agent know you need additional Coverage B on your policy. That way you won't be underinsured when disaster strikes. 

At your service,
Young Alfred