In a Dwelling Policy, what is the primary difference between Coverage A and Coverage B?

In a Dwelling Policy, Coverage A is designed to provide protection for the dwelling itself, which includes the structure of the home and any attached structures, such as a garage. This coverage typically protects against various perils such as fire, wind, vandalism, and more, ensuring that the physical building is safeguarded.

Coverage B, on the other hand, specifically covers other structures on the property that are not attached to the main dwelling. This could include features such as sheds, fences, detached garages, and other outbuildings. This distinction is important because it allows homeowners to insure their primary residence while also protecting additional structures on their property, each under its own coverage limit.

Understanding this difference is crucial for property owners to ensure they have adequate coverage tailored to their specific needs.