Dwelling Policy Practice Test

Which of the following losses would most likely NOT be covered under Coverage A in the dwelling policy?

1. Fire damage to the home

2. Theft of a renter's lawnmower used to service the premises

3. Water damage from a burst pipe

4. Damage from a fallen tree

The correct answer is: Theft of a renter's lawnmower used to service the premises

Coverage A in a dwelling policy typically insures the physical structure of the home itself, including any attached structures, for risks such as fire, water damage, and damage from falling objects. The correct answer highlights that theft of personal property, like a lawnmower, particularly when it is owned by a renter rather than the policyholder, is not covered under Coverage A. Coverage A focuses on real property, meaning structures and their attached systems, rather than personal property. Therefore, while a theft might involve both the home and personal belongings, only the structure and items permanently attached or a part of it are protected under this coverage. The other options listed—fire damage to the home, water damage from a burst pipe, and damage from a fallen tree—are all relevant to the home’s physical structure, making them eligible for coverage under this specific part of the policy.