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.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.
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