Regarding coverage B other structures, we need some clarification on the following: “Sometimes questions arise about the status of sidewalks, driveways, or in ground pools that appear to be connected by a concrete patio to the dwelling. These structures are not dwellings, nor are they attached to the dwelling. Concrete walks and patios are not laid so that they become 'at one' with the dwelling. Therefore, coverage B applies to these structures.”

Under the ISO HO3 form are driveways covered under coverage B? The driveway in question is dirt and gravel, basically land.

Vermont Subscriber

Dirt and gravel are different than land; land is basically ground that has not been altered by humans. Merriam Webster Online defines “land” as “a: the solid part of the surface of the earth; also: a corresponding part of a celestial body (as the moon) b: ground or soil of a specified situation, nature, or quality <dry land>.”

Land that is dirt and gravel has been modified by humans; the gravel is in a certain part of the land in a pattern and not just strewn about. The planning and deliberate placing of the gravel makes it another structure.