FAQs
Other structures insurance, also known as Coverage B, is the part of your home insurance policy that protects structures on your property other than your house. That includes: Fences. Sheds.
What is Coverage B on a home policy? ›
Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo.
What is excluded under coverage B other structures? ›
Coverage B is intended for other structures not attached to your home's primary dwelling, so attached decks, attached garages, patios, and even your home's roof would be excluded. Other structures coverage excludes normal wear and tear, damage caused by excluded perils, and damage from pests and rodents.
What does Coverage B provide an insured with GL? ›
Coverage B: Personal and Advertising Injury
False arrest. Infringing on another's copyright. Malicious prosecution. Use of another's advertising idea.
What is Coverage A and B liability? ›
Coverage A provides protects against bodily injury and property damage claims. Coverage B addresses personal and advertising injury claims.
What is the meaning of Part B coverage? ›
Medicare Part B helps cover medical services like doctors' services, outpatient care, and other medical services that Part A doesn't cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary.
What is I & B coverage? ›
If the tenant has just spent thousands of dollars remodeling the space to their specific needs, then the I&B coverage should come into play. The tenant can claim the loss of use of their build-out for the prorated amount of time of the lease versus their costs.
Which of the following is covered under Coverage B of a dwelling policy? ›
Coverage B covers detached structures, including those connected to the dwelling only by a fence, utility line, or similar connection.
Is a driveway considered another structure? ›
Other Structures coverage is part of your homeowners insurance, and it protects things on your property or connected to your home not created by mother nature or connected to your home—like your driveway, fence, pool, shed, detached garage, tree house, and so on.
What do most homeowners policies exclude coverage for? ›
Lightning, fire, and theft are all examples of perils are found under the exclusions section of every standard homeowners insurance policy.
CGL policies also protect against claims for personal and advertising injury, either under a separate Coverage B or as part of the insuring clause for Coverage A. Personal injury and advertising injury both have very specific meanings in the CGL context and are defined in the insurance contract.
What event triggers coverage under the CGL Coverage B insuring agreement? ›
While the CGL policy is only triggered if bodily injury or property damage occurs during the policy period (Coverage A) or the personal and advertising injury offense was committed during the policy period (Coverage B), what is important here is to distinguish between the bodily injury or property damage itself and the ...
What is Coverage B of the business owners policy? ›
Coverage B (business personal property): This coverage includes property owned by you and used in your business operations. Your property is generally covered if it's in or on the described buildings, or within 100 feet of your business premises while in a vehicle or out in the open.
What is coverage B on a homeowners policy? ›
Other structures insurance, also known as Coverage B, is the part of your home insurance policy that protects structures on your property other than your house. That includes: Fences. Sheds. Detached garages.
What is Part A and B coverage? ›
Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Original Medicare covers things like inpatient hospital care, doctors' services and tests, and preventive services. You pay for services and items as you get them.
What is Coverage B on an umbrella policy? ›
Part B of the policy is referred to as umbrella coverage. This is where the insurer promises to pay up to the policy's limit because of an insured's legal obligation to pay damages, subject first to the insured's assumption of the self-insured retention, which often is waived.
What is Coverage B of a typical business owners policy? ›
Coverage B (business personal property): This coverage includes property owned by you and used in your business operations. Your property is generally covered if it's in or on the described buildings, or within 100 feet of your business premises while in a vehicle or out in the open.
What is the difference between coverage A and B umbrella? ›
In doing so, it concluded, in part, that Coverage A and B serve different purposes. Coverage A provides excess coverage, and Coverage B provides additional primary coverage not addressed by the primary policy.