West Virginia Property and Casualty Licensing Practice Exam

In a DP3 policy, which of the following would be covered under Coverage C?

1. Tanya's personal belongings

2. Jack's appliances

3. The structure of the house

4. Damage caused by fire

The correct answer is: Jack's appliances

In a DP3 policy, Coverage C specifically addresses personal property. This coverage includes personal belongings that belong to the insured, typically within the dwelling. Personal property can encompass a wide range of items such as clothing, furniture, and appliances that are owned by the insured. Option B, which refers to Jack's appliances, would be covered under Coverage C provided that Jack is the insured or a member of the insured's household. This is because appliances can be considered personal property, and under a DP3 policy, this category of belongings is protected against various risks. The other options do not fall under Coverage C for different reasons. Tanya's personal belongings would only be covered if Tanya is the named insured or part of the household; if she is not, then her belongings would not be eligible for Coverage C. The structure of the house pertains to Coverage A, which is intended for the dwelling itself and any permanent structures attached to it. Finally, damage caused by fire is typically addressed under Coverage A or may involve specific endorsements or options in the policy, not Coverage C, which is limited to personal property.