Difficulty: Medium

Average Score: 67%

Which items are covered under the dwelling building section of a comprehensive homeowners policy?

Rationale

Window shutters and awnings on the home are covered under the dwelling building section of a comprehensive homeowners policy.

The dwelling building section of a homeowners policy typically covers the physical structure of the home and attached structures, which includes window shutters and awnings that are affixed to the property.

A (Furniture inside the home) YOUR ANSWER

Furniture is generally categorized as personal property rather than part of the dwelling itself. While homeowners insurance covers personal property, it is not included under the dwelling building section, which focuses on the structure and fixtures attached to the home.

B (Garden tools stored in the shed) YOUR ANSWER

Garden tools, although they may be stored in an attached structure like a shed, are also considered personal property. The dwelling building section does not cover personal items, even if they are stored on the property, as it primarily pertains to the physical structure and its integral components.

C (Window shutters and awnings on the home) CORRECT

These items are considered fixtures directly attached to the dwelling, making them eligible for coverage under the dwelling building section of a homeowners policy. They are integral to the structure and are included in the policy’s coverage for the home itself.

D (Motorized vehicles parked in an attached garage) YOUR ANSWER

Motorized vehicles are typically excluded from dwelling coverage as they are classified as personal property. Homeowners policies usually have specific exclusions for vehicles, which means they would not be covered under the dwelling building section, regardless of their location.

Conclusion

The dwelling building section of a comprehensive homeowners policy is designed to protect the structural components and fixtures of a home. Among the options presented, window shutters and awnings are the only items that qualify for coverage under this section, as they are permanently attached to the dwelling. Other items, such as furniture, garden tools, and vehicles, fall under personal property or have specific exclusions, demonstrating the importance of understanding the distinctions in coverage types within homeowners insurance.

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