South Carolina Personal Lines Practice Exam

Under Coverage C - Personal Property in a dwelling policy, when is a guest's property covered?

1. Only when in transit

2. Only when at the insured location

3. At any time

4. When requested by the insured

The correct answer is: Only when at the insured location

Under Coverage C - Personal Property in a dwelling policy, a guest's property is covered only when it is at the insured location. This coverage is designed to protect personal property within the confines of the insured premises, ensuring that items owned by guests are safeguarded while they are visiting. This makes sense because the policy's intent is to provide a secure environment for guests when they are present at the insured's dwelling. It is important for a homeowner to ensure their guests’ belongings remain protected while on their property, acknowledging that liability extends beyond just the insured's possessions to those of their visitors. In contrast, the other options do not apply because they either limit the coverage to specific situations that are not reflective of the policy's intent (such as only being applicable during transit) or suggest broader coverage that would imply protection exists outside the premises, which is not consistent with standard dwelling policy coverage provisions. Thus, the correct understanding hinges on recognizing that coverage is active only when the guest's property is physically located at the insured dwelling.