Final Answer:
The given statement, "Other structures/separate structures at the same location, such as garages, sheds, and birdhouses on the described location that are separated from the dwelling by a clear space or connected only by a fence or utility line, are covered under homeowners' insurance policies," is true (1) because homeowners' insurance typically covers separate structures like garages, sheds, and birdhouses that are located on the property but detached from the main dwelling.
Step-by-step explanation:
Other structures like garages, sheds, and even birdhouses, which are separate from the main dwelling and connected only by a clear space, fence, or utility line, are typically covered under homeowners' insurance policies. These structures are considered part of the property and are protected against various perils like theft, fire, or certain natural disasters.
However, the coverage might differ depending on the policy and the value attributed to these structures. Generally, the coverage extends up to a percentage of the primary dwelling coverage limit. It's essential to review the policy details to ensure adequate coverage for these additional structures.
While they are included, the level of protection and coverage specifics might require additional considerations or endorsements to the policy.
Correct answer: True (Option 1)