Our insured has a dwelling policy covering a one family concrete building.
However, our insured has unconventional design house. The house consists of three unconnected structures. The main building includes a kitchen, living room and the bathroom and two separates buildings contain the bedrooms of the house.
Are the three building covered under coverage A of the dwelling policy or only the main building? Since the two bedrooms are set apart from the main building by a clear space, we believe they should fall under coverage B.
Puerto Rico Subscriber
This is an interesting question. You are correct, since the bedrooms are separate buildings, they should be covered as coverage B. There is nothing in the ISO manual addressing separate buildings as other than coverage B unless they are at a separate location, in which case a separate dec page is needed for each location, this is rule 204. Rule 205 states that insurance may be provided on the same location by two or more policies under one or more companies, which while it seems to be intended for multiple companies could apply to one company as well.
The HO 04 48 Other Structures on the Residence Premises – Increased Limits endorsement may be used to increase the limit on the other structures. The other structures need to be scheduled on the endorsement with the desired limit in addition to Coverage B. Note that the additional limits only apply to the designated structures.