PLNew Yorkmedium
On a standard New York HO-3 form, Coverage B (Other Structures) is typically provided as what percentage of Coverage A, before any endorsement?
A2% of Coverage A
B25% of Coverage A
C50% of Coverage A
10% of Coverage A
Why this is the answer
New York homeowners forms filed under 11 NYCRR 161 set Coverage B (Other Structures) at 10% of the Coverage A dwelling limit as the customary baseline. The coverage applies to structures separated from the dwelling by clear space — detached garages, tool sheds, gazebos, free-standing fences, in-ground pools — but not to structures rented to a non-tenant or used for commercial purposes. Insureds with substantial detached improvements should buy increased Coverage B by endorsement.
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