South Carolina Personal Lines Practice Exam

Coverage A under a HO policy specifically covers which of the following?

1. Detachments from the main property

2. The dwelling itself and attached structures

3. Personal property and contents

4. Liability claims and damages

The correct answer is: The dwelling itself and attached structures

Coverage A under a Homeowners (HO) policy specifically addresses the dwelling itself and any attached structures. This area of coverage is integral as it protects the primary residential structure and any built-in components, like garages or decks that are physically connected to the home. Understanding Coverage A is essential for homeowners because it dictates the extent of financial protection available against damages from perils like fire, windstorm, or vandalism. Selected covered structures are typically valued at replacement costs, ensuring that homeowners can repair or rebuild after a loss. In contrast, other options cover different aspects of a homeowner's insurance policy. Detached structures fall under Coverage B, which provides protection for buildings not attached to the main dwelling, while personal property and contents are usually covered under Coverage C. Lastly, liability claims and damages are addressed through Coverage E, which protects homeowners against legal claims for bodily injury or property damage to others. Recognizing the specific focus of Coverage A helps homeowners understand their insurance better and ensures they have appropriate protection for their dwelling.