Florida Insurance Claims Adjuster License Practice Exam

What does 'Other Structures' coverage typically include?

1. Only the main dwelling

2. Attached fixtures only

3. Items not permanently attached to the main dwelling

4. Personal properties inside the dwelling

The correct answer is: Items not permanently attached to the main dwelling

Other Structures coverage typically includes items that are not permanently attached to the main dwelling, such as sheds, garages, and fences. This means that the main dwelling itself and attached fixtures, such as built-in cabinets, would not be covered under Other Structures. Personal properties inside the dwelling would fall under a separate coverage category, such as Personal Property or Contents coverage. It is important to carefully review your insurance policy to understand exactly what is covered under each type of coverage. Choosing the appropriate coverage can help ensure that you have adequate protection for your property and belongings in the event of a loss.