The short answer
Coverage B pays for detached garages, sheds, fences, and driveways at 10% of your Coverage A limit by default. If you have a detached workshop, guest house, or oversized garage, request an increased Coverage B — the extra costs $10–$40/year per additional $10k.
Frequently asked
- Are contents of the shed covered?
- Yes, under Coverage C (personal property), same as items in the house.
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