West Virginia Adjusters Practice Exam 2025 - Free Adjuster License Practice Questions and Study Guide

"Coverage B" in homeowners insurance specifically addresses the protection of "Other Structures" on the insured property. This section of the policy provides coverage for structures that are not attached to the main dwelling but are located on the same premises. Common examples include detached garages, sheds, fences, and guest houses.

This coverage is crucial because it extends insurance protection beyond the primary residence, ensuring that the insured is compensated for damage to these additional structures due to covered perils, such as fire, windstorm, or vandalism. In this context, it enhances the overall protection of the homeowner's investment, as these additional structures can also be subject to various risks.

The other choices, while relevant to homeowners insurance in a broader sense, do not specifically pertain to Coverage B. Personal property within the home falls under Coverage C, liability coverage relates to Coverage E, and loss of rental income is typically covered under a different section of the policy dedicated to loss of use.