South Carolina Personal Lines Practice Exam

Which of the following is NOT a property coverage in a HO policy?

1. Coverage A - Dwelling

2. Coverage B - Other Structures

3. Coverage C - Contents/Personal Property

4. Coverage E - Personal Injury Protection

The correct answer is: Coverage E - Personal Injury Protection

The correct answer highlights that Coverage E - Personal Injury Protection is not considered a property coverage under a Homeowners (HO) policy. In a standard HO policy, the coverage is typically divided into categories that address various aspects of property protection. Coverage A pertains to the dwelling itself, Coverage B is for other structures on the property such as detached garages, and Coverage C covers personal property within the home, including furniture, clothing, and other belongings. Personal Injury Protection, on the other hand, is not directly associated with protecting physical property. It generally relates to liability or bodily injury coverage and is intended to cover legal liabilities stemming from personal injury claims against the homeowner, such as defamation or false arrest. This aspect distinguishes it clearly from the property coverages listed in the other options. Understanding these distinctions is crucial for effectively navigating homeowners insurance policies and ensuring adequate coverage for both property and liability exposures.