Los Angeles Claims Adjuster Property and Causality Practice Exam

In terms of insurance, structures connected by a fence or utility line fall under which coverage category?

1. Personal Property Coverage

2. Building Coverage

3. Coverage A: Main Buildings

4. Coverage B: Other Structures

The correct answer is: Coverage B: Other Structures

Structures connected by a fence or utility line are categorized under Coverage B: Other Structures. This coverage specifically extends to buildings or structures on the property that are not the main dwelling but still hold value and perform a specific function. Examples include detached garages, sheds, fences, or utility lines that provide services or protection to the main property. In insurance terminology, Coverage A typically relates to the primary dwelling itself, encompassing the building where the policyholder resides. Personal Property Coverage addresses items owned by the insured, such as furniture and electronics, which are not physical structures. Therefore, the nuances of Coverage B clearly designate it as the appropriate category for structures like fences or utility lines, emphasizing its role in protecting additional structures on the insured property.