A private structure, located on the premises but not connected with the primary building that is insured, for example, an unconnected garage or garden house. Coverage is usually provided as a limited percentage of the building coverage in several property contracts.
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Another structure on the same premises as the principal structure. A detached garage on a dwelling premises is appurtenant to the dwelling. Older homeowners forms refer to the other structures protected under the HO Coverage B as appurtenant structures.