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!

Practice this question and more.

Which coverage in a dwelling policy insures a garage not attached to the primary dwelling?

Coverage A - Dwelling
Coverage B - Other Structures
Coverage C - Personal Property
Coverage D - Loss of Use

The correct answer is: Coverage B - Other Structures

Coverage B - Other Structures is the correct choice for insuring a garage that is not attached to the primary dwelling. This coverage is specifically designed to protect structures on the property that are not connected directly to the main home. Such structures can include detached garages, fences, sheds, and other similar buildings. The reason this coverage is distinct from Coverage A, which pertains to the dwelling itself, is that Coverage A is aimed at the main structure and any attached portions, while Coverage B extends the protection to additional, separate structures on the same premises. Thus, if a homeowner experiences damage to their detached garage, Coverage B would provide the necessary financial support for repairs or replacement, reaffirming its relevance for protecting standalone structures on the property.