1. Homeowners Coverage B insures structures on the premises that are:

Separated from the dwelling, such as a detached garage or fence

Coverage B (other structures) insures structures set apart from the dwelling, such as a detached garage, shed, or fence.

2. The homeowners form that insures both the dwelling and personal property on an open-peril basis is the:

HO-5

The HO-5 comprehensive form covers both the dwelling and personal property on an open-peril basis, the broadest standard homeowners coverage.

3. An endorsement that automatically increases the dwelling coverage limit over the policy term to keep up with rising construction costs is:

Inflation guard

The inflation guard endorsement automatically raises the dwelling limit over time to help keep pace with rising rebuilding costs.

4. Damage from water that backs up through sewers or drains is generally covered only if the homeowner adds:

A water backup or sump overflow endorsement

Water that backs up through sewers or drains is generally excluded unless a water backup (sump overflow) endorsement is added.