Question 18

Coverage C - Personal Property of a Homeowners Policy does not extend to pets owned by the insured.

Coverage C of a Homeowners Policy provides coverage for personal property, but it specifically excludes pets owned by the insured.

A) Property borrowed for use by the insured

This option is incorrect because property borrowed for use by the insured is typically covered under Coverage C of a Homeowners Policy, as it falls within the definition of personal property used by the insured.

B) Machinery used in maintenance of the premises

This option is incorrect as well, since machinery used for maintenance is usually considered personal property and is covered under Coverage C, provided it is owned by the insured.

C) Pets owned by the insured

This is the correct answer because pets are specifically excluded from Coverage C under a Homeowners Policy. Insurers do not cover animals as personal property, which distinguishes them from other forms of personal property.

D) Clothing of a child living in a college dormitory

This option is incorrect because clothing belonging to a child residing in a college dormitory is generally covered under Coverage C, as it is considered personal property of the insured's dependent.

Conclusion

The correct answer is C, as pets owned by the insured are not covered under Coverage C of a Homeowners Policy, making this option the only correct exclusion. In contrast, all other options fall within the scope of personal property that is typically insured, highlighting the unique treatment of pets in insurance policies.