Which structure is typically not covered under Coverage B?

Coverage B of a homeowners insurance policy is designed to cover structures on the property that are not attached to the primary dwelling. This coverage typically includes structures that are used for personal purposes, such as detached garages, garden sheds, and even in-ground swimming pools, as long as they are not specifically excluded in the policy.

However, structures that are used for business purposes, such as an office or workshop, are generally excluded from Coverage B, as they are considered integral to a business and thus fall under different coverage requirements. This is why the choice that references structures used for business is the correct answer; they do not receive protection under this part of a homeowners policy.

Understanding this distinction is crucial for homeowners to ensure they obtain appropriate coverage for all types of structures on their property and to avoid gaps in protection.