What is the coverage limit for other structures under the HO-3—Special Form policy?

For an HO-3—Special Form policy, the coverage limit for other structures is indeed 10 percent of the Coverage A limit. This provision is designed to cover structures on the insured property that are not attached to the primary dwelling, such as sheds, detached garages, or fences.

The rationale behind this coverage is to ensure that homeowners have adequate protection not only for their main residence but also for these additional structures. In this context, Coverage A refers to the coverage limit for the dwelling itself, which serves as a basis for calculating the limits for other structures. This 10 percent allocation allows insured individuals to address potential damages to these structures while still retaining sufficient coverage for their primary residence.