POLICY STUDY GUIDE
QUESTIONS AND
COMPLETE ANSWERS A
GRADED/LATEST 2024
Coverage npA np- np(correct npanswer) np-Dwelling
Coverage npB np- np(correct npanswer) np-Personal npProperty
Coverage npC np- np(correct npanswer) np-Loss npof npUse
Coverage npA np- np(correct npanswer) np-is npthe npdwelling npand npdwelling npextensions.
npThe npdwelling npis npthe npstructure
used npprincipally npas npa npthe npprivate npresidence npand npthe npdwelling npextensions
npare npother
structures npon npthe npresidence nppremises npseparated npfrom npthe npdwelling npby
npclear npspace.
Structures npconnected npto npthe npdwelling npby nponly npa npfence, nputility npline, npor
npsimilar
connection npare npstill npconsidered npto npbe npother npstructures. npExamples npof
npdwelling
extensions npwould npbe npdetached npgarages, npfences npand npin-ground npswimming
nppools.
Sheds npcan npbe npeither npCoverage npA npor npCoverage npB npdepending npon npif npthey
npare
permanently npto npor npotherwise npforming nppart npof npthe nprealty. npDwelling
npextensions npare
insured npfor np10% npof npthe npcoverage npA nplimit. npSo, npif npyour nphome npis npinsured
npfor np$100,000
then npstructures npsuch npas npthe npdetached npgarage npand npin-ground npswimming
nppool npwould
be npcovered npfor np$10,000. npOn nppage np3 npof npthe nppolicy np(1.b.)
• npMaterials npand npsupplies nplocated npon npor npadjacent npto npthe npresidence
nppremises
for npuse npin npthe npconstruction, npalteration npor nprepair npof npthe npdwelling npor npother
structures npon npthe npresidence nppremises.
, Coverage npB np- np(correct npanswer) np-is nppersonal npproperty npowned npor npused npby
npan npinsured npwhile npit npis npanywhere
in npthe npworld. npThis npcoverage npwould npinclude npstructures, npsuch npas npsheds, npnot
permanently npattached npto npthe nprealty. npAs npa npgeneral nprule npitems npthat npyou
npwould nptake
with npyou npif npyou npmoved npwould npbe npcoverage npB. npOne npexception npwould npbe
npconstruction
supplies.
Coverage npC: npAdditional npLiving npExpense np- np(correct npanswer) np-provides
npcoverage npfor npup npto np24 npmonths npwhen
a nploss npinsured npcauses npthe npresidence npto npbecome npuninhabitable. npExample:
Apartment nprent npwhen npafter npa nphurricane npcauses npextensive npwind npdamage npto
an npinsured's nphome.
Coverage npC: npFair npRental npValue np- np(correct npanswer) np-provides npcoverage npfor
npup npto np12 npmonths npwhen npyou nprent
a npportion npof npyour nphome npto npa nptenant npand npa nploss npinsured npcauses npthat
npportion
of npthe nphome npto npbe npuninhabitable. npExample: npYou nprent npyour npgarage
apartment npto npa nptenant npand npit npsustains npheavy nptree npdamage npthat npwill
npcause
the nptenant npto nprelocate npfor np2 npmonths npduring npthe nprepair.
Coverage npC: npProhibited npUse np- np(correct npanswer) np-provides npadditional npliving
npexpense npand npfair nprental npvalue
for npa npperiod npof npup npto nptwo npweeks npwhen npa npcivil npauthority npprohibits npyour
npuse
of npthe npresidence nppremises npbecause npof npdirect npdamage npto npa npneighboring
premise npby npa nploss npinsured. npExample: npThe npcivil npauthorities npin npyour nphome
town npwill npnot npallow npyou npto npreturn npto npyour nphome npfor np3 npdays npbecause npof
tornado npdamage npin npthe nparea.
Open npPeril np- np(correct npanswer) np-mold, npfungus, npor npwet npor npdry nprot; npsettling,
npcracking, npshrinking, npbulging npor npexpansion npof nppavements, nppatios,
npfoundation, npwalls, npfloors, nproofs npor npceilings; npearth npmovement-landslide,
npearthquake npsinkhole; npwater npdamage-including npflood npa npsurface npwater
False. npCoverage npC np- npLoss npof npUse nphas np3 npcoverages np(page np4):
• npAdditional npLiving npExpense
• npFair npRental npValue
• npProhibited npUse np- np(correct npanswer) np-True npor npFalse: npIn npthe npFP-7955
nppolicy, npCoverage npC npconsists npof npthree npcoverages:
• npAdditional npLiving npExpense
• npFair npRental npValue
QUESTIONS AND
COMPLETE ANSWERS A
GRADED/LATEST 2024
Coverage npA np- np(correct npanswer) np-Dwelling
Coverage npB np- np(correct npanswer) np-Personal npProperty
Coverage npC np- np(correct npanswer) np-Loss npof npUse
Coverage npA np- np(correct npanswer) np-is npthe npdwelling npand npdwelling npextensions.
npThe npdwelling npis npthe npstructure
used npprincipally npas npa npthe npprivate npresidence npand npthe npdwelling npextensions
npare npother
structures npon npthe npresidence nppremises npseparated npfrom npthe npdwelling npby
npclear npspace.
Structures npconnected npto npthe npdwelling npby nponly npa npfence, nputility npline, npor
npsimilar
connection npare npstill npconsidered npto npbe npother npstructures. npExamples npof
npdwelling
extensions npwould npbe npdetached npgarages, npfences npand npin-ground npswimming
nppools.
Sheds npcan npbe npeither npCoverage npA npor npCoverage npB npdepending npon npif npthey
npare
permanently npto npor npotherwise npforming nppart npof npthe nprealty. npDwelling
npextensions npare
insured npfor np10% npof npthe npcoverage npA nplimit. npSo, npif npyour nphome npis npinsured
npfor np$100,000
then npstructures npsuch npas npthe npdetached npgarage npand npin-ground npswimming
nppool npwould
be npcovered npfor np$10,000. npOn nppage np3 npof npthe nppolicy np(1.b.)
• npMaterials npand npsupplies nplocated npon npor npadjacent npto npthe npresidence
nppremises
for npuse npin npthe npconstruction, npalteration npor nprepair npof npthe npdwelling npor npother
structures npon npthe npresidence nppremises.
, Coverage npB np- np(correct npanswer) np-is nppersonal npproperty npowned npor npused npby
npan npinsured npwhile npit npis npanywhere
in npthe npworld. npThis npcoverage npwould npinclude npstructures, npsuch npas npsheds, npnot
permanently npattached npto npthe nprealty. npAs npa npgeneral nprule npitems npthat npyou
npwould nptake
with npyou npif npyou npmoved npwould npbe npcoverage npB. npOne npexception npwould npbe
npconstruction
supplies.
Coverage npC: npAdditional npLiving npExpense np- np(correct npanswer) np-provides
npcoverage npfor npup npto np24 npmonths npwhen
a nploss npinsured npcauses npthe npresidence npto npbecome npuninhabitable. npExample:
Apartment nprent npwhen npafter npa nphurricane npcauses npextensive npwind npdamage npto
an npinsured's nphome.
Coverage npC: npFair npRental npValue np- np(correct npanswer) np-provides npcoverage npfor
npup npto np12 npmonths npwhen npyou nprent
a npportion npof npyour nphome npto npa nptenant npand npa nploss npinsured npcauses npthat
npportion
of npthe nphome npto npbe npuninhabitable. npExample: npYou nprent npyour npgarage
apartment npto npa nptenant npand npit npsustains npheavy nptree npdamage npthat npwill
npcause
the nptenant npto nprelocate npfor np2 npmonths npduring npthe nprepair.
Coverage npC: npProhibited npUse np- np(correct npanswer) np-provides npadditional npliving
npexpense npand npfair nprental npvalue
for npa npperiod npof npup npto nptwo npweeks npwhen npa npcivil npauthority npprohibits npyour
npuse
of npthe npresidence nppremises npbecause npof npdirect npdamage npto npa npneighboring
premise npby npa nploss npinsured. npExample: npThe npcivil npauthorities npin npyour nphome
town npwill npnot npallow npyou npto npreturn npto npyour nphome npfor np3 npdays npbecause npof
tornado npdamage npin npthe nparea.
Open npPeril np- np(correct npanswer) np-mold, npfungus, npor npwet npor npdry nprot; npsettling,
npcracking, npshrinking, npbulging npor npexpansion npof nppavements, nppatios,
npfoundation, npwalls, npfloors, nproofs npor npceilings; npearth npmovement-landslide,
npearthquake npsinkhole; npwater npdamage-including npflood npa npsurface npwater
False. npCoverage npC np- npLoss npof npUse nphas np3 npcoverages np(page np4):
• npAdditional npLiving npExpense
• npFair npRental npValue
• npProhibited npUse np- np(correct npanswer) np-True npor npFalse: npIn npthe npFP-7955
nppolicy, npCoverage npC npconsists npof npthree npcoverages:
• npAdditional npLiving npExpense
• npFair npRental npValue
