Colorado Property & Casualty Practice Exam 2025 - Free Property & Casualty Practice Questions and Study Guide

Question: 1 / 400

What type of structures does Coverage B generally include in a homeowners policy?

Only the primary residence

Structures directly attached to the home

Other physical structures on the property, such as fences and sheds

Coverage B in a homeowners policy typically includes "other structures" on the insured property that are not attached to the primary residence. This provision is designed to protect additional physical structures on the property, such as fences, sheds, detached garages, gazebos, or swimming pools, provided they are not used for business purposes. The key aspect of Coverage B is its focus on these separate structures that enhance the property's utility, security, or aesthetics, while remaining distinct from the dwelling itself.

By including various other physical structures, Coverage B helps ensure that homeowners have financial protection not just for their main residence but also for various supportive features around the property. This level of coverage can be crucial for maintaining the overall value and functionality of the homeowner's property.

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Structures rented out by the policyholder

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