Other Structures Coverage, known as Coverage B, protects structures on the insured premises that are separated from the main dwelling. To qualify for Coverage B, a structure must be separated from the main home by clear space. This includes:
- Detached Buildings & Features: Sheds, detached garages, fences, pool houses, and fixed-in-place pools.
- Minimally Connected Structures: Any structure connected to the main home only by a fence, utility line, or similar minor connection.
Coverage B details can be found on the Coverage tab in the Portal for all policy types.
Benefits
Openly’s Coverage B offers several highly competitive advantages designed to provide superior flexibility and protection:
- Fully Customizable Limits: Unlike rigid industry standards, Openly allows you to customize the coverage limit from 0% to 100% of the Replacement Cost Estimate (RCE), tailoring it precisely to the customer's actual needs.
- True Replacement Cost: We provide Replacement Cost coverage for all eligible buildings, including specific non-building structures such as driveways.
- Off-Premises Protection: We cover structures located off-premises if they are used in conjunction with the main property.
Example: A detached garage located across the street with a completely different postal address or parcel number can still be covered under Coverage B.
For further assistance, contact us via our webform or Live Chat.