Texas All lines adjuster license personal lines - Homeowners policy chapter 3 questions well answered

Texas All lines adjuster license personal lines - Homeowners policy chapter 36 type of homeowner insurance coverages - correct answer Dwelling Other structures Personal property Loss of use Liability Medical payments to others This section of your homeowners insurance package covers your house structure plumbing heating and air-conditioning and any other attached structures or fixtures. This does not include land! - correct answer Dwelling coverage This section covers any structure on your property that is not attached to your home this includes but is not limited to a detached garage since mailbox sheds retaining wall driveway etc. The most you can pay is 10% of the coverage a limit of liability. - correct answer Other structures coverage This section covers all of the contents of your home. It will cover your bed TV appliances clothes jewelry and everything you own in the home. - correct answer Personal property coverage This section is used when you're home has been damaged and you need to relocate to a hotel or another residence while you're at home is being repaired. On a reimbursement basis it will cover you for any additional expenses you incur as a result of temporarily living away from your home. Expenses that can be reimbursed under this coverage include hotel or apartment additional food cost additional gas for having to commute and extra distance etc. - correct answer Loss of use coverage Protection against injuries suffered by others on your property or as a result of your actions - correct answer Personal liability coverage