To buy B or not to buy B is the question. If you are a homeowner, you are probably wondering if the homeowner's insurance with coverage B is right for you.
Here's what you need to know about how coverage B works, what it covers and if it fits your current policy.
19659070] Cover B insures many of the structures you will find in your garden. Coverage A and Coverage C protect things that are inside the home.
There are always exceptions to the rule, as mentioned in the pool example.
Coverage A is also known as "home coverage." It reimburses you for repairs or replacements related to the structure of your home.
It includes foundations, walls, support beams, roofs and windows.
Coverage C applies to your personal belongings. Expect a check in the mail if someone steals or destroys your clothes, electronics or furniture.
Coverage C does not cover all your belongings, including many valuables.
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How much other structures should you have?
There are no hard and fast rules when it comes to buying or pricing other insurance structures. Most insurance providers set it at 10% of your home coverage.
If you have $ 200,000 in housing coverage, you have $ 20,000 in protection for your structures.
If 10% is not enough, you can increase your coverage limit. Some insurance providers allow you to upgrade your compensation provisions in addition to the compensation cost.
If someone damages a structure so that the total loss, you get a check that is greater than the structure value.
Action  Do I need other structure coverage? The truth is, it's not mandatory, but it's nice to have it. your insurance provider will compensate you for damage or theft.
Most home insurance policies today come with other structures, but you should always ask before buying the insurance.