Question 12

Window shutters and awnings on the home are covered under the dwelling building section of a comprehensive homeowners policy.

Dwelling building coverage typically includes structures that are permanently affixed to the home, such as window shutters and awnings. These items are considered part of the home’s physical structure, making them eligible for coverage under a homeowners policy.

A) Furniture inside the home

Furniture is classified as personal property rather than part of the dwelling structure. While it may be covered under a homeowners policy, it is not included in the dwelling building section, which focuses on structural elements.

B) Garden tools stored in the shed

Garden tools, although they may be stored in a shed, are considered personal property and not part of the dwelling itself. The shed may be covered under separate structures, but the tools do not fall under the dwelling building section.

C) Window shutters and awnings on the home

Window shutters and awnings are permanently attached to the home and are therefore included in the dwelling building section of a homeowners policy. Their fixed nature qualifies them for coverage as part of the home's structure.

D) Motorized vehicles parked in an attached garage

Motorized vehicles are typically excluded from dwelling coverage as they are considered personal property or specific types of property that require separate insurance policies. Even when parked in a garage, they do not contribute to the dwelling structure.

Conclusion

The correct answer, window shutters and awnings, is definitively right because they are integral components of the home’s structure and fall under dwelling coverage. All other options fail to qualify as they pertain to personal property or items not permanently attached to the home, thus not covered under the dwelling building section.