Texas · Coverage B is the detached building
Other structures coverage is not a second house limit. It is usually 10 percent of Coverage A.
Coverage A is the dwelling, including a garage that shares a wall or a roof with the house. Coverage B is a structure on the same residence premises that is separated by clear space: a detached garage, a shed, a barn, a gazebo, and on many forms a fence. A breezeway or a shared roof can pull that building back into Coverage A. Ask before a hailstorm, not after. Personal property inside the shed is still Coverage C. This is educational. The form decides, and Texas HO-A, HO-B, and HO-3 jackets are not the same list of perils.
The peril has to be covered on that form. An HO-3 is open-peril on the dwelling, meaning a loss is covered unless excluded. Read whether other structures follow that or a shorter named list. Wind and hail still use the wind or hail deductible, which may be a percent of Coverage A, not of the shed. On a $400,000 dwelling, 2 percent is $8,000. That is an example. The deductible can be larger than the shed. Replacing a fence no one hit with a covered peril is maintenance.
How the jackets differ: types of Texas home policies and HO-3, HO-A, and HO-B. Sizing the dwelling the percent hangs on: how to set Coverage A. The hubs: Texas homeowners, the product page, and what each letter means.
