What is the insurance amount applicable to Coverage B - Detached Private Structures under homeowners policies?

Coverage B - Detached Private Structures under homeowners policies typically provides coverage for structures that are not attached to the main dwelling, such as garages, sheds, or fences. The standard amount of coverage afforded for these detached structures is generally set at 10% of the amount of Coverage A, which is the limit for the main structure of the home.

This provision ensures that homeowners have an adequate amount of insurance to cover repair or replacement costs for these additional structures without reducing the coverage available for the main dwelling. Given that structures like garages or sheds might be significant in value, having this specific percentage helps maintain a balance in the overall protection of the homeowner's assets.

In this context, the choice that accurately reflects the insurance amount applicable to Coverage B aligns with standard homeowners policy terms, emphasizing the importance of having coverage that extends beyond just the primary residence.