A homeowner insures the dwelling for $300,000 under an HO-3. Assuming standard percentage relationships, what are the Coverage B (other structures) and Coverage D (loss of use) limits?

Why this is the answer

Standard ISO homeowners policies establish sub-limits as percentages of Coverage A (dwelling): Coverage B (other structures such as detached garages, fences) = 10% of A; Coverage C (personal property) = 50% of A; Coverage D (loss of use / additional living expenses) = 30% of A; Coverage E (personal liability) = $100,000 standard; Coverage F (medical payments to others) = $1,000–$5,000 standard. With Coverage A = $300,000: B = $300,000 x 10% = $30,000; D = $300,000 x 30% = $90,000. Distractor A swaps the percentages; distractor C and D use wrong percentages.