How much Coverage B does an insured get when purchasing an HO-2?

The amount of Coverage B, which covers other structures on the property that are not attached to the main dwelling, is indeed set at 10% of Coverage A when purchasing an HO-2 policy. This is a standard stipulation in most homeowners insurance policies, including HO-2, and provides a baseline level of coverage for structures such as fences, detached garages, or sheds.

This specification is important for homeowners to understand, as it helps them assess whether the coverage amounts provided will be sufficient based on their individual property needs. Considering that Coverage A represents the primary dwelling, the 10% allocation for Coverage B reflects the insurer’s approach to ensure adequate coverage for ancillary structures without requiring an individual evaluation for each policyholder's situation.