What is Other Structures Coverage (Coverage B)?

Other Structures coverage, also known as Coverage B, can be found on the Coverage Tab in the Portal for all policy types. 

This coverage applies to additional structures on the premises, or structures used in conjunction with the premises, that are separate from the main dwelling. Examples include detached garages, sheds, fences, pool houses, and fixed-in-place pools. It also covers structures connected to the home only by a fence, utility line, or similar connection.

Openly's Coverage B offers several advantages over competitors:

  • The coverage limit can be fully customized based on the customer's needs, ranging from 0 to 100% of the Replacement Cost Estimate (RCE). 
  • It provides replacement cost coverage for all buildings, including specific non-building structures like driveways. 
  • We also cover structures off-premises used in conjunction with the premises, such as a garage across the street with a different postal address or parcel. For more information, please refer to this article.

To request an endorsement to increase the Coverage B limit for an existing policy, contact us through our webform or Live Chat.

Was this article helpful?
0 out of 0 found this helpful