South Carolina Personal Lines Practice Exam

Which type of claim is NOT generally covered under homeowners policies?

1. Personal liability claims

2. Property damage from fire

3. Theft of personal property

4. Injury from an auto accident

The correct answer is: Injury from an auto accident

Homeowners policies primarily provide coverage for personal property, personal liability, and additional living expenses when an insured property suffers damage or loss. These policies are designed to protect individuals from various risks associated with their homes and personal goods, including personal liability claims in the event someone is injured on the property and the property damage most commonly caused by perils like fire or theft of personal items. In contrast, injuries sustained from auto accidents are typically covered under automobile insurance policies, not homeowners policies. Homeowners insurance does not cover incidents related to automobiles, as these scenarios fall outside the scope of what the homeowner's policy is intended to address. This is why the correct answer identifies injury from an auto accident as the exception and clarifies the delineation of coverage between different types of insurance.