Dwelling Policy Practice Test

What type of loss does Coverage B under a dwelling policy typically provide protection for?

1. Content theft outside the home

2. Other structures not attached to the dwelling

3. Personal injury claims

4. Living expenses during relocation

The correct answer is: Other structures not attached to the dwelling

Coverage B under a dwelling policy is specifically designed to provide protection for "other structures" that are not attached to the primary dwelling. This includes items such as detached garages, fences, sheds, and other buildings on the insured property that are separate from the main house. The intent of this coverage is to ensure that the homeowner is financially protected against damage to these additional structures caused by perils included in the policy, such as fire, windstorm, or vandalism. This aspect of Coverage B is significant as it recognizes that homeowners may have various structures on their property that need protection separate from the main living area. Such a policy ensures that, in the event of a disaster or accident affecting these structures, the homeowner can recover the costs associated with repairs or rebuilding. In contrast, the other options address different types of coverage that are not included in Coverage B: content theft outside the home relates to personal property coverage; personal injury claims generally fall under liability coverage; and living expenses during relocation are typically covered under additional living expenses (ALE) coverage, which is distinct from the protections offered for other structures.