Alabama Property and Casualty Practice Exam

An attached garage would be covered as?

1. An appurtenant structure

2. Other structure

3. Coverage C

4. Coverage A

The correct answer is: Coverage A

An attached garage would indeed be covered under Coverage A, which pertains to the dwelling and any structures that are attached directly to it. This includes built-in garages, which are considered part of the primary dwelling structure since they are connected to it. Coverage A provides protection for the physical structure of the home itself, including any integral parts that contribute to its functionality and aesthetic. In contrast, separate structures not directly connected to the dwelling, like a detached garage or shed, would typically fall under different categories like "other structures" or "appurtenant structures." These are defined separately and receive coverage that is distinct from what is afforded to the dwelling itself. Coverage C generally refers to personal property within the dwelling, such as furniture and appliances, rather than the structure itself. Therefore, the classification of the attached garage under Coverage A aligns with the fundamental principles of property insurance, which protect against risks associated with the primary structure of the insured property.