What counts as an other structure
Coverage B insures structures separated from the dwelling by clear space, or connected only by a fence, utility line, or similar: a detached garage, storage shed, gazebo, detached carport, boat dock, fence, and in most Florida policies a screen or pool enclosure and the pool equipment. If a structure is physically attached to the house, it is usually covered under Coverage A instead. The distinction matters because Coverage B carries its own separate limit.
How the limit is set
Coverage B is almost always written as a percentage of Coverage A, commonly around 10 percent, rather than a separately chosen figure. That default is often too small in Florida, where a screened pool cage, dock, or detached garage can cost far more than 10 percent of the dwelling limit to rebuild after a hurricane. If you have significant detached structures, you can usually raise the Coverage B limit by endorsement rather than relying on the automatic percentage.
Florida specifics
Pool and patio screen enclosures are among the most common Coverage B losses after Florida windstorms, and carriers frequently scope them narrowly or apply the hurricane deductible before the Coverage B limit. Check whether screen enclosures are covered in full or subject to a separate sublimit or reduced windstorm terms, since some Florida forms limit or exclude screen material specifically.