State Farm Fire Independent Policy Practice Exam

Which item would be categorized as Coverage B under an HO-3 policy?

1. A. Satellite dish attached to the house.

2. B. Free-standing gas range.

3. C. Built-in microwave oven.

4. D. Automatic garage door opener.

The correct answer is: B. Free-standing gas range.

Coverage B under an HO-3 policy refers to Other Structures, which typically includes structures that are detached from the main dwelling. This coverage is intended to protect structures such as garages, sheds, fences, and other outbuildings. A free-standing gas range fits the definition of a detached structure in this context, especially if it is not built into the house or a specific part of the home's permanent structure. It implies that the gas range is separate enough to not be considered part of the main dwelling's building fixtures. Comparatively, the other items such as a satellite dish, built-in microwave oven, and automatic garage door opener are generally considered to be integral parts of the home or are attached to it. Since they are not separate or detached, they do not qualify for coverage under Coverage B. Hence, the free-standing gas range is the only item listed that aligns with the criteria for Coverage B as it represents a separate structure that could be covered under the policy.