Dwelling Policy Practice Test

Which of the following claims would be included under the dwelling policy?

1. Fire damage to an insured's car parked outside

2. Fire damage to the insured's rowboat stored in the attached garage

3. Theft of jewelry during a party

4. Water damage from an overflowing sink

The correct answer is: Fire damage to the insured's rowboat stored in the attached garage

The claim for fire damage to the insured's rowboat stored in the attached garage would be included under the dwelling policy because it aligns with the coverage scope typically provided in such policies. Dwelling policies are designed to cover the structure of the dwelling itself and personal property within, including items like boats as long as they are stored on the premises, particularly in a connected or attached structure like a garage. Other options do not fall under the coverage provided by a dwelling policy. For example, fire damage to a car is generally covered under an automobile insurance policy rather than a dwelling policy. Theft of jewelry, while it may be covered under a homeowner's policy as personal property, often does not fall under a dwelling policy, which typically has more limited coverage for personal items. Lastly, water damage from an overflowing sink can be complicated; it's often excluded under basic dwelling policies, especially if it results from negligence or is not related to a named peril included in the policy. Therefore, given the context of dwelling policy coverage, the rowboat stored in the garage fits within the perimeters of what is insurable under such a policy.