South Carolina Personal Lines Practice Exam

Which of the following losses would most likely NOT be covered under Coverage A in the DP policy?

1. Supplies used for repair of dwelling

2. Fire damage to building material on premises

3. Theft of a renter's lawnmower used to service premises

4. Outdoor personal property of the insured

The correct answer is: Theft of a renter's lawnmower used to service premises

Coverage A under a Dwelling Policy typically insures the dwelling itself and certain permanent structures attached to it. This coverage is designed to protect the structure of the building and the materials used in its repair or construction. Items covered generally include physical damage to the property due to perils like fire, theft, or vandalism, but this protection does not extend to all personal property. The option that most clearly falls outside the scope of Coverage A is the theft of a renter's lawnmower used to service the premises. While the lawnmower may be associated with the upkeep of the property, it is not considered part of the dwelling itself but rather personal property belonging to the renter. Coverage A specifically pertains to the dwelling and structures attached to it rather than personal belongings, which would typically fall under personal property coverage instead. In contrast, supplies used for repair of the dwelling, fire damage to building materials on the premises, and outdoor personal property of the insured are elements that could be considered for coverage under a DP policy, as they either pertain directly to the physical structure or are used in maintaining that structure.