South Carolina Personal Lines Practice Exam

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Study for the South Carolina Personal Lines Exam. Use flashcards and multiple choice questions, each with hints and explanations. Prepare for your exam today!

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What does Coverage A in an HO policy cover?

Personal property
Loss of use
Dwelling and attached structures
Other structures

The correct answer is: Dwelling and attached structures

Coverage A in a homeowners insurance policy specifically covers the dwelling and any structures that are attached to it. This includes not only the main residential structure but also any built-in fixtures, such as porches, garages, or decks that are physically attached to the home. It is designed to protect the insured against the loss or damage to the building from covered perils, such as fire, vandalism, or storms. Understanding this coverage is essential for homeowners since it forms the foundation of the policy and is crucial for assessing overall property protection. Adequate Coverage A limits ensure that in the event of a total loss, the policyholder has sufficient funds to repair or rebuild their dwelling to its original condition.