Question 16

The damages to the sofa and laptop computers fall under Coverage C of Andrew's Homeowners 3 policy.

Coverage C of a Homeowners 3 policy typically covers personal property, which includes items like furniture and electronics. In this case, both the laptop computers and the leather sofa are personal items that are damaged.

A) The sofa and laptop computers

This option is correct because both the leather sofa and the laptop computers are classified as personal property under Coverage C. The damage to these items from the lightning strike qualifies for coverage, as they are not part of the permanent structure of the home.

B) The sofa, living room walls, and laptop computers

This option is incorrect because while the sofa and laptop computers are covered under Coverage C, the living room walls are part of the structure of the home and would instead be covered under Coverage A, which relates to dwelling protection. Therefore, this option incorrectly includes items that do not fall under Coverage C.

C) The roof, living room walls, and sofa

This option is incorrect as it includes the roof and living room walls, which are structural components of the home. Coverage C does not extend to such items, making this option invalid. Only the sofa qualifies from this list.

D) The sofa only

This option is also incorrect because while the sofa is indeed covered under Coverage C, it fails to include the laptop computers, which are also personal property that suffered damage. Both items should be recognized for full coverage under this policy.

Conclusion

The correct answer is A, as it accurately identifies both the sofa and laptop computers as personal property covered under Coverage C of Andrew's Homeowners 3 policy. All other options fail to fully capture the extent of coverage provided for personal belongings or incorrectly include structural items that are not eligible for this coverage.