South Carolina Personal Lines Practice Exam

Which of the following is an example of a separate structure under Coverage B?

1. Attached garage

2. Detached garden shed

3. Condominium unit

4. Deck attached to a house

The correct answer is: Detached garden shed

A detached garden shed is an example of a separate structure under Coverage B because this coverage generally applies to structures that are not attached to the main dwelling. Coverage B specifically provides protection for structures that are separate from the primary residence, as long as they're used for personal purposes. In this scenario, a detached garden shed is a standalone structure used for storage or gardening, clearly differentiating it from the main house, and thus qualifies for coverage under this provision. In contrast, an attached garage, condominium unit, or a deck attached to a house do not meet the criteria for separate structures because they are physically connected to or a part of the main dwelling, which does not fall under the Coverage B classification.