Louisiana P&C Adjuster Practice Exam

What items fall under Coverage C of Andrew's Homeowners 3 policy after a lightning strike?

1. The roof and exterior walls

2. The family's laptop computers and leather sofa

3. The detached garage and patio furniture

4. The fire damage to the house

The correct answer is: The family's laptop computers and leather sofa

Coverage C in a Homeowners 3 policy is specifically designated for personal property. This coverage typically includes the insured's belongings, such as furniture, electronics, clothing, and other personal items that are not part of the structure of the home itself. In this scenario, the family's laptop computers and leather sofa fall under Coverage C because they are personal property owned by the insured and are susceptible to damage from perils like a lightning strike. The roof and exterior walls, detached garage, and fire damage to the house all pertain to the structure or physical components of the home, which are covered under Coverage A, not Coverage C. This distinction is important as it ensures that different types of losses are handled under the appropriate coverage sections of the policy. Thus, the selection of the laptop computers and leather sofa reflects an understanding of what personal property coverage entails within a homeowners policy.