Dwelling Policy (DP)Question 267 of 474
Which item would NOT be covered as personal property under a dwelling policy?
a.A washing machine used by the owner's household
b.A set of power tools kept in the utility room
c.A window air conditioner stored in the basement
d.A pet parakeet kept in the family's living room
Explanation
Animals, birds, and fish sit on the dwelling forms' property-not-covered list, alongside motor vehicles and aircraft, so the bird is outside the contents coverage entirely. The appliances and tools are ordinary household property usual to the occupancy of a dwelling and are insured up to the personal property limit shown on the declarations.
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Related questions on this topic
- A detached garage on the insured premises burns to the ground. A dwelling policy pays the loss under:
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