Georgia Adjuster Practice Test

What is typically NOT covered under a standardized Dwelling policy?

1. Structural damage from weather

2. Liability for personal injuries

3. Damage caused by boarders living on the property

4. Fire damage to the property

The correct answer is: Damage caused by boarders living on the property

A standardized Dwelling policy is designed to provide coverage for specific types of risks associated with the property itself, such as structural damage from weather, fire damage, and other perils outlined in the policy. However, liability coverage, which includes personal injuries that may occur on the property, is typically not included in a Dwelling policy. This means that if a boarder living on the property were to cause damage, that would not be covered under the policy, as it is primarily focused on protecting the physical structure and not extending to liability for personal injuries or damages caused by individuals residing on the property. This distinction underscores the limitations of what a standardized Dwelling policy encompasses, reinforcing the importance for property owners to consider additional liability coverage separate from their Dwelling policy.