On a standard HO-3 policy, Coverage B (Other Structures) is typically provided as an automatic additional amount equal to what percentage of Coverage A (Dwelling)?
a.20%
b.10%
c.50%
d.5%
Explanation
Other Structures (Coverage B) is automatically provided at 10% of Coverage A on the standard ISO HO-3. This is an additional amount of insurance, not a sublimit, and pays for detached garages, sheds, fences, and similar structures separated from the dwelling by clear space. Higher Coverage B can be purchased by endorsement when needed.
Law Reference: ISO Homeowners Section I, Coverage BThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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