State Farm Fire Independent Policy Practice Exam

Which of the following would not typically qualify as a Coverage A item under an HO-3 policy?

1. A. Automatic lawn sprinkler system.

2. B. Wall-to-wall carpet attached to the dwelling.

3. C. Built-in microwave oven intended for installation.

4. D. Materials and supplies to build bookshelves stored in the garage.

The correct answer is: D. Materials and supplies to build bookshelves stored in the garage.

In an HO-3 policy, Coverage A typically includes the dwelling and any structures attached to it. This coverage is intended to protect the physical structure of your home, including fixtures that are permanent and integral to the home itself. The correct choice revolves around the nature of the materials being considered. Items that are classified under Coverage A are those that are either permanently installed or an integral part of the home. While an automatic lawn sprinkler system, wall-to-wall carpet, and a built-in microwave oven all serve their respective functions when attached or incorporated into the home, the materials and supplies stored in the garage for building bookshelves do not fit this definition. They are not permanently affixed to the dwelling—they are merely materials that can be used to create a structure or furnish the house but are not yet a part of it. Thus, the distinction lies in the permanence and functionality in relation to the dwelling itself. When assessing what qualifies under Coverage A, it is essential to consider whether the item is fixed to the property or can be readily removed without causing damage to the structure. In this case, the materials and supplies for bookshelves stored in the garage do not meet the criteria for inclusion under Coverage A since they are not attached and do not serve a permanent function