Texas General Lines — Property and CasualtyPersonal LinesEasy
An insured has a DP-3 Special Form Dwelling Policy. During a severe windstorm, a tree falls onto the insured's detached garage, causing $15,000 in damage. The detached garage is 100 feet from the main dwelling. Which of the following coverages would apply to this loss?
- ACoverage C - Personal Property
- BCoverage D - Fair Rental Value
- CCoverage B - Other Structures
- DCoverage A - Dwelling
Show answer & explanationAnswer & explanation
Correct answer: C. Coverage B - Other Structures
Coverage B - Other Structures in a Dwelling Policy covers structures on the insured premises that are separated from the dwelling by clear space, such as a detached garage. Windstorm is a covered peril.
Why the other options are wrong
- A. Coverage C is for personal belongings, not the structure of the garage.
- B. Coverage D provides loss of use coverage, typically for rental income or additional living expenses, not physical damage to structures.
- D. Coverage A is for the main dwelling and attached structures.
DP-3 Coverage B (Other Structures)
Coverage B under a DP-3 policy insures structures on the premises that are separated from the dwelling by clear space, such as detached garages or sheds.
- Covers structures not attached to the main dwelling.
- Typically 10% of Coverage A limit.
- Applies to perils covered for the dwelling.
Memory trick: Dwelling policies cover more than just the house; look for its separated siblings.