What Is Coverage B in Home Insurance? (Florida Other Structures Guide)
Coverage B — also known as Other Structures Coverage — protects the detached structures on your property. In Florida, this coverage is especially important because fences, sheds, and screened enclosures are often damaged during hurricanes and windstorms.
Here’s what Coverage B includes, how much you need, and what Florida homeowners should know.
What Does Coverage B Cover?
Coverage B protects structures on your property that are not physically attached to your home. This includes:
- Fences
- Sheds
- Detached garages
- Pergolas
- Gazebos
- Pool decks
- Screen enclosures
- Guest houses (non‑rented)
If a covered event damages these structures — such as wind, fire, or falling trees — Coverage B helps pay for repairs or replacement.
How Much Coverage B Do You Get?
Most Florida home insurance policies automatically include Coverage B at:
2% – 10% of Coverage A
Example:
If your home (Coverage A) is insured for $400,000 and your policy includes 5% Coverage B:
$400,000 × 5% = $20,000
That means you have $20,000 in protection for detached structures.
Why Coverage B Matters in Florida
Florida homes often have features that fall under Coverage B, such as:
- Screened lanais
- Pool cages
- Fences damaged by storms
- Detached storage sheds
These structures are vulnerable to hurricane winds, making Coverage B a key part of your policy.
This is especially important for buyers researching florida coverage b home insurance requirements for first time homebuyers, since lenders often review this coverage when detached structures are present on the property.
What Coverage B Does NOT Include
Coverage B does not cover:
- Structures used for business
- Rented guest houses
- Dock or seawall damage (usually excluded)
- Pool screens unless specifically endorsed
Some items require optional endorsements for full protection.
Do You Need More Coverage B?
You may need to increase Coverage B if you have:
- A large screened enclosure
- A detached garage or workshop
- A high‑value shed or outbuilding
- Multiple structures on your property
Most insurers allow you to raise Coverage B limits for a small additional premium.
How to Check Your Coverage B Amount
You can find your Coverage B limit on your:
- Declarations page
- Quote summary
- Policy renewal documents
If you’re unsure whether your detached structures are properly insured, it’s worth reviewing your policy.
Need Help Choosing the Right Coverage?
If you’re not sure whether your Coverage B limit is enough — or want to compare options — I can help you review your policy and make sure your detached structures are fully protected.