Los Angeles Claims Adjuster Property and Causality Practice Exam

Which item is exclusively covered under personal property according to the insurance guidelines?

1. Attached garage

2. Riding lawn mower

3. Building structures

4. Utility lines

The correct answer is: Riding lawn mower

The riding lawn mower is exclusively covered under personal property according to insurance guidelines because it is a movable item that is not permanently affixed to a structure. Personal property coverage typically includes items that can be transported or are not part of the building’s structure, such as furniture, appliances, and equipment used in maintaining the property, like lawn mowers. In contrast, items like an attached garage, building structures, and utility lines fall under property or real estate coverage, as they are integral components of the premises and not considered personal belongings. This distinction is crucial in determining what is covered under different insurance policies, clarifying the limits of personal property coverage in a homeowner's policy.