Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following items would typically be covered under building coverage?

1. Furniture

2. Riding lawn mower

3. Attached garage

4. Personal electronics

The correct answer is: Attached garage

Building coverage typically protects the physical structure of a property, including specific attached features that contribute to the overall integrity of the building. An attached garage is considered part of the main structure of a home; it is affixed to the building and is important for the overall function and value of the property. Insurance policies usually provide coverage for structures that are integral to the home, such as walls, roofs, floors, and attached garages. In contrast, items like furniture, riding lawn mowers, and personal electronics fall under personal property coverage instead of building coverage. These items are not considered fixed or permanent parts of the structure and can be moved from place to place, which disqualifies them from building coverage. Understanding these distinctions is crucial for policyholders as it impacts their coverage limits and claims process.