Which of the following statements about Coverage B - Other Structures is incorrect?

Coverage B - Other Structures is designed to protect structures on the property that are not connected to the main dwelling, like fences, sheds, and detached garages. Therefore, the accurate assessment of the coverage entails understanding its general availability in homeowners policies.

The assertion that Coverage B must be added by endorsement to a homeowners policy is misleading. In most standard homeowners insurance policies, this coverage is automatically included as a part of the policy. It's not something that needs to be sought out specifically through additional endorsement in a typical policy structure. Instead, coverage for other structures is generally a built-in component of the homeowners policy, aligning with standard insurance practices.

Coverage B indeed includes protection for structures such as fences and sheds, demonstrating its purpose in safeguarding property assets outside the primary residence. Further, it provides limitations in cases where structures are used for business purposes, typically excluding or having specific conditions related to such usage.

Thus, the assertion regarding its necessity as an added endorsement stands out as incorrect, as Coverage B is generally an integral part of the homeowners policy, making it inherently included unless otherwise stated.