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.

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