What’s great about Coverage B is that it covers most of the same things as dwelling coverage. Furniture, electronics and clothes are typically included, as well as kitchen appliances, tools and supplies. The only thing it won’t cover is anything that might be stored inside other structures on your property, like gardening equipment in a greenhouse or a riding lawnmower in the garage or a pool house full of furnishings. These types of items are typically covered under your personal property coverage under Coverage C.
This coverage is available on a replacement cost or actual cash value basis, depending on your policy. Most insurance companies offer both options, so it’s best to talk to your agent about what is and isn’t covered by this part of your policy. Then you can make an educated decision about how much to purchase. Your agent can also help you determine the value of your other structures and make sure your coverage is adequate.
Coverage C
Whether you own your home or rent, evaluating and protecting your property is crucial. But many homeowners and renters have misconceptions about what their insurance covers, particularly when it comes to flooding.

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