South Carolina Personal Lines Practice Exam

Which of the following represents the broad form perils known as BB BICE GOLF?

1. Burglary, Breakage, Ice damage, Collapse, Electric damage

2. Burglary damage, Breaking of water heaters, Ice/snow/sleet weight, Collapse, Glass breakage

3. Building, Burglary, Insurance, Collapse, Electric

4. Burglary, Basement, Ice, Collapse, Fire

The correct answer is: Burglary damage, Breaking of water heaters, Ice/snow/sleet weight, Collapse, Glass breakage

The correct answer effectively encapsulates the BB BICE GOLF perils, which is an acronym representing a variety of risks covered under the broad form homeowners insurance policy. Each component of the acronym corresponds to specific types of perils that are primarily related to property damage, particularly concerning the structure of a dwelling and its contents. - "Burglary damage" pertains to the risks related to theft and vandalism, ensuring that homeowners are protected should their property be unlawfully entered and harmed in the process. - "Breaking of water heaters" is a specific peril that addresses damages arising from the failure or rupture of water sources within the home, reflecting concerns over plumbing and utility systems that can lead to significant water damage. - "Ice/snow/sleet weight" refers to the risk of structural damage brought about by the accumulation of snow and ice, which can weigh heavily and potentially cause roofs to collapse or other forms of structural compromise. - "Collapse" generally relates to the failure of the structure itself, whether due to age, poor maintenance, or external pressures like heavy weather conditions. - "Glass breakage" includes protection against the unintended breaking of glass fixtures, such as windows and patio doors, which is a common household issue and a risk that can entail