Which of the following is NOT typically covered under the "Extensions of Coverage" section of Homeowners Policies?

Prepare for the British Columbia Fundamentals Of Insurance Test. Study with comprehensive questions, hints, and explanations. Ace your insurance exam with confidence!

The "Extensions of Coverage" section of Homeowners Policies is designed to provide extra protection for certain situations that may not be covered under the standard policy terms. Typically, this section includes various forms of additional coverage such as damage to property while it is being transported, losses from power failures, and damage to trees and plants under specific circumstances.

Damage to personal property during transportation is usually included to protect belongings moving from one location to another. The coverage for spoiled food due to power failure is included as power outages can be sudden and devastating, leading to significant losses in refrigerated items. Loss of indoor trees and plants from extreme temperatures may also be covered under certain policies, reflecting the homeowners' interests in protecting their valuable landscaping and home aesthetics.

However, repairs for damage to the driveway due to water main replacement do not typically fall under this section. Such repairs are generally considered routine maintenance and not an unexpected loss or damage that a homeowner's policy aims to protect against. Homeowners are generally expected to maintain their driveways, and the damage resulting from construction or other external activities does not usually merit the special extension of coverage that the other options do.

Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy