Georgia Property & Casualty Practice Exam

Which item would NOT be covered under Coverage B - Other Structures of a homeowners policy?

1. detached shed from which a tool repair business is operated

2. gazebo

3. detached garage

4. swimming pool

The correct answer is: detached shed from which a tool repair business is operated

Coverage B – Other Structures in a homeowners policy typically provides protection for structures that are not attached to the main dwelling, such as garages, sheds, gazebos, and similar structures. However, it specifically excludes structures that are used for business purposes. In this scenario, the detached shed is being utilized to operate a tool repair business, which falls outside the scope of personal use that Coverage B covers. Coverage B is designed to insure structures that are used for personal, non-commercial purposes. The other options, such as the gazebo, detached garage, and swimming pool, are typically considered personal use structures and would be covered under Coverage B, as they are not used for business activities. Therefore, the detached shed used for a business activity is appropriately excluded from this coverage.