Under Coverage B - Other Structures of a dwelling policy, which structure would be covered?

Under Coverage B - Other Structures of a dwelling policy, which structure would be covered?

• A. Copper pipe stored in the insured's plumbing business located at a different location
• B. A garden shed used for personal lawn tools
• C. A pool house attached to the dwelling used for parking
• D. A guest house rented to tenants on the same property

Answer: (A)

Coverage B protects other structures on the insured’s residence premises that are detached from the dwelling and used for private, non-business purposes. A garden shed qualifies because it’s a detached structure on the property used for storing tools and lawn equipment, so it’s covered under this section. A pool house that’s attached to the dwelling isn’t an “other structure” separate from the home; it’s part of the dwelling and would be covered under the dwelling policy’s main coverage. A guest house rented to tenants is typically not covered under Coverage B since structures that are rented out or used for business purposes aren’t included unless a special endorsement is added. Storing copper pipe at a plumbing business located off the insured property isn’t on the residence premises, so it isn’t an eligible other structure under Coverage B.

Coverage B protects other structures on the insured’s residence premises that are detached from the dwelling and used for private, non-business purposes. A garden shed qualifies because it’s a detached structure on the property used for storing tools and lawn equipment, so it’s covered under this section. A pool house that’s attached to the dwelling isn’t an “other structure” separate from the home; it’s part of the dwelling and would be covered under the dwelling policy’s main coverage. A guest house rented to tenants is typically not covered under Coverage B since structures that are rented out or used for business purposes aren’t included unless a special endorsement is added. Storing copper pipe at a plumbing business located off the insured property isn’t on the residence premises, so it isn’t an eligible other structure under Coverage B.