Dwelling Policy (DP)Question 312 of 531
A tenant renting a house installs built-in bookcases at her own expense, and a fire destroys them. On the tenant's own dwelling policy they are:
a.excluded as a permanent alteration
b.covered only with the landlord's consent
c.covered as her personal property
d.not covered; they are part of the house
Explanation
A tenant may buy a dwelling policy on household goods, and building additions and alterations made at the tenant's own expense are insured under the personal property coverage, subject to a limit the form states. Treating them as part of the landlord's building would leave the tenant nothing for what she paid for. The landlord's consent is not a coverage condition.
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