Georgia Property & Casualty Practice Exam

Under which section of a homeowners policy is an in-ground pool insured?

1. Coverage A - Dwelling

2. Coverage B - Other Structures

3. Coverage D - Loss of Use

4. The pool isn't insured by her policy.

The correct answer is: Coverage B - Other Structures

In a homeowners policy, coverage for an in-ground pool typically falls under Coverage B, which pertains to "Other Structures." This coverage is designed to insure structures on the property that are separate from the main dwelling, such as detached garages, sheds, fences, and, in this case, the in-ground pool. Coverage B extends protection not only to the physical structure of the pool but may also cover associated structures like pool decks or equipment. It's important to note that for this coverage to apply, the pool must be permanent, meaning it is intended to be an integral part of the property rather than a temporary installation. Other options like Coverage A - Dwelling are focused specifically on the main structure of the residence itself, while Coverage D - Loss of Use addresses additional living expenses incurred when a home is uninhabitable due to a covered loss. The assertion that the pool isn’t insured by the policy generally does not hold true, as homeowners policies can provide coverage for such structures when they’re listed under the correct coverage section.