Florida Insurance Claims Adjuster License Practice Exam

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Which policy covers Chris' golf clubs stolen from Tommy's car?

  1. Tommy's HO

  2. Tommy's auto

  3. Chris' auto

  4. Chris' HO

The correct answer is: Chris' HO

This is because Chris' HO policy covers personal property, including his golf clubs, even if they are stolen from someone else's car. Option A is incorrect because Tommy's HO policy would only cover damage to his own car, not Chris' golf clubs. Option B is incorrect because Tommy's auto policy only covers damage to his own car, not stolen items. Option C is incorrect because Chris' auto policy only covers damage to his own car, not stolen items. Therefore, Chris' HO policy is the most suitable coverage for his stolen golf clubs in this scenario.

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