Question

Which of the following claims would be included under the dwelling policy?

1) Theft of the insured's auto from the detached garage
2) Death to the insured's pet caused by smoke inhalation
3) Fire damage to the insured's rowboat stored in the attached garage
4) Fire damage to a garage located on the insured premises used as an auto repair shop

Answer 1

A dwelling policy typically covers damage to the structure itself but not personal belongings like cars, or the lives of pets. Fire damage to a rowboat or a garage on the dwelling's premises could potentially be covered if the policy terms do include such items or uses.

Step-by-step explanation:

Considering the options provided, it's important to understand what a dwelling policy typically covers. Essentially, a dwelling policy is designed to provide coverage for damage to the structure of the home itself (the dwelling), as well as other structures attached or unattached to the dwelling, such as a garage. It does not usually cover the contents inside such as automobiles, personal belongings unless specifically added, or the lives of pets.

Given this understanding, let's evaluate the claims:

1. Theft of an auto from a garage would typically fall under auto insurance, not a dwelling policy.
2. Death to a pet, even though tragic, is generally not covered under dwelling policies.
3. Fire damage to the insured's rowboat stored in an attached garage could be covered if the policy specifically includes coverage for such items.
4. Fire damage to a garage used as an auto repair shop may be covered under the dwelling policy, provided the policy does not exclude business use or the structure is not primarily for commercial purposes.

Therefore, items 3 and 4 may potentially be included under the dwelling policy if the policy terms do not exclude these specific usages or items.