Louisiana P&C Adjuster Practice Exam

In a Dwelling policy, what does Coverage A protect?

1. Contents within the home

2. Structures attached to the principal dwelling

3. Personal liability

4. Landscaping

The correct answer is: Structures attached to the principal dwelling

Coverage A in a Dwelling Policy is designed to protect the principal structure of the dwelling itself. This includes the building where the insured resides, covering the physical structure from a variety of perils, such as fire, windstorms, and vandalism. It applies specifically to the dwelling's main components, which may include the roof, walls, and permanent fixtures. While the other options refer to different aspects of coverage provided by a Dwelling Policy, they do not encompass what Coverage A specifically addresses. Contents within the home are typically protected under personal property coverage, whereas personal liability pertains to legal responsibilities resulting from injuries or damages to others. Landscaping, while it may be important, usually falls under separate coverage provisions. Therefore, Coverage A's focus on the structure itself makes it a critical component of homeowner's protection.