South Carolina Personal Lines Practice Exam

Which coverage in a dwelling policy pertains to "Other Structures"?

1. Coverage A

2. Coverage B

3. Coverage C

4. Coverage D

The correct answer is: Coverage B

The coverage in a dwelling policy that pertains to "Other Structures" is indeed Coverage B. This coverage specifically addresses structures on the property that are not attached to the main dwelling. Examples of such structures include garages, sheds, fences, and other outbuildings. It's important to note that Coverage A pertains to the dwelling itself, which means it covers the primary residence and any attached structures. Coverage C is related to personal property contained within the dwelling or on the premises, providing protection for items that homeowners may keep in their home. Coverage D deals with loss of use, which compensates for additional living expenses when a home is uninhabitable due to a covered loss. Thus, Coverage B is correctly associated with the concept of insuring other structures on a property that are separate from the main dwelling, making it an essential part of dwelling policy insurance for homeowners.