Question

Which of the following statements about the coverage for other structures (coverage b) under the homeowners 3 policy is true?

a) the coverage applies to a detached garage or tool shed on the residence premises.
b) structures attached to the dwelling by a fence or utility line are considered to be part of the dwelling rather than other structures.
c) coverage applies even if the other structure is used for business purposes.
d) there is no coverage for a private garage if it is rented to a tenant of the dwelling.

Answer 1

The coverage for other structures under the Homeowners 3 policy applies to a detached garage or tool shed on the residence premises. The correct option is a) the coverage applies to a detached garage or tool shed on the residence premises.

Step-by-step explanation:

The correct statement about coverage for other structures (Coverage B) under the Homeowners 3 policy is option a) the coverage applies to a detached garage or tool shed on the residence premises.

Other structures such as detached garages or tool sheds that are located on the same property as the main dwelling are considered covered under the homeowner's policy. This means that if any damage or loss occurs to these structures, the policy will provide coverage up to the specified limits.

For example, if a storm damages a detached garage on your residential property, you can file a claim with your insurance company to cover the cost of repairs or replacement. The correct option is a) the coverage applies to a detached garage or tool shed on the residence premises.