What percentage of Coverage A is allocated for Coverage B - Other Structures?

In a standard homeowners insurance policy, Coverage B, which pertains to Other Structures, is typically allocated as a percentage of Coverage A, the dwelling coverage. This allocation is commonly set at 10%. This means that if you have Coverage A of $200,000, for example, Coverage B would automatically provide $20,000 in coverage for other structures, such as detached garages, fences, or gazebos on the same property.

This standard approach of using 10% reflects the industry’s general trend to ensure that policyholders have adequate protection for ancillary structures associated with their primary dwelling. In most cases, it’s important for policyholders to review their specific policy documents because there may be variances or options for increasing this allocation based on the individual needs of the homeowner.