Homeowners Policy (HO)Question 301 of 474
Which of these is insured under Coverage B rather than under Coverage A?
a.a detached garage separated by clear space
b.a second-story addition on the dwelling
c.an attached garage that shares a house wall
d.a screened porch built onto the dwelling
Explanation
Coverage B picks up structures set apart from the dwelling by clear space, or joined to it only by a fence, utility line or similar connection, so a free-standing garage, a storage shed or an in-ground pool belongs there. The attached-garage answer is wrong because a structure sharing a wall with the house is part of the dwelling and draws on Coverage A.
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