Coverage A, also known as dwelling coverage in home insurance, covers the physical structure of your home. This includes elements like walls, floors, roofs, windows and attached structures such as garages and patios. Dwelling coverage is vital for rebuilding or repairing your home in the event of damage from a covered peril like fire or storm.
Coverage B, on the other hand, is for other structures on your property that are separate from your main house. This includes items like fences, sheds, detached garages and other similar structures. However, it's important to note that other structures coverage typically does not include the contents or personal belongings within these detached structures and doesn't cover detached buildings used for business purposes.