Endorsements & Optional CoveragesPregunta 441 de 474
On a standard unendorsed form, Coverage B will not cover an other structure that is:
a.Joined to the dwelling only by a utility line
b.Used by the insured to store garden tools
c.Rented to a person who is not a tenant of the home
d.Set well back from the dwelling on the lot
Explicación
Coverage B excludes a structure rented or held for rental to anyone who is not a tenant of the dwelling, unless it is used solely as a private garage, so a shed rented to a stranger needs the structures rented to others endorsement. Distance from the dwelling does not defeat coverage, and a building connected only by a fence or utility line still counts as an other structure rather than part of the dwelling.
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