Under Coverage B (Other Structures) of a Homeowners policy, which structure would NOT be covered?

Under Coverage B (Other Structures) of a Homeowners policy, which structure would NOT be covered?

• A. Gazebo located on the residence premises
• B. Detached garage on the premises
• C. Structure rented to a non-tenant of the dwelling
• D. Fence around the yard

Answer: (C)

Coverage B covers structures on the residence premises that are not attached to the dwelling and are used for the insured’s own purposes. Examples include a gazebo, a detached garage, or a fence. What’s not covered is a structure that’s rented to someone who doesn’t live in the dwelling because it’s being used as rental property, which the policy excludes from Coverage B. So a gazebo, a detached garage, and a fence on the premises are typically covered, but a structure rented to a non-tenant would not be.

Coverage B covers structures on the residence premises that are not attached to the dwelling and are used for the insured’s own purposes. Examples include a gazebo, a detached garage, or a fence. What’s not covered is a structure that’s rented to someone who doesn’t live in the dwelling because it’s being used as rental property, which the policy excludes from Coverage B. So a gazebo, a detached garage, and a fence on the premises are typically covered, but a structure rented to a non-tenant would not be.