Why Am I Being Charged For Dwelling Extension Insurance, I Have No Other Buildings Other Than My House? 
Extensions of coverage are extended from limits built into the package of homeowner coverages . If you are referring to coverage `` B '' - other structures , this coverage is built in based on an antiquated coverage model where there was often a separate structure . Today , a separate structure may include utility sheds , decks , light poles and fences since garages are often attached . If you have none of these ask your carrier or agent if they can add this coverage to coverage `` A '' - Dwelling . I know of at least one carrier who has done this . Others may allow you to use the limit to protect against under-insurance after a loss . 