Arizona Adjuster Practice Exam

Which of the following is an Other Coverage provided in all unendorsed dwelling policy forms?

1. Property removed

2. Debris removal

3. Rental income

4. Personal liability

The correct answer is: Property removed

The correct choice is the coverage related to "Property removed." This provides protection for personal property that is taken from the premises to protect it from potential loss or damage while being moved or relocated. This coverage is particularly relevant in situations where property may need to be moved due to a covered peril, such as a fire or flood, and is included in standard dwelling policy forms without the need for additional endorsements. In contrast, while "Debris removal," "Rental income," and "Personal liability" may be important coverages, they are not uniformly included in all unendorsed dwelling policies. Debris removal is often contingent upon the specific provisions of the policy and may vary; rental income coverage typically requires an endorsement or rental insurance policy as it pertains to income lost during a claim; and personal liability is typically separate from dwelling policies and usually requires additional coverage or an endorsement. Each of these coverages can enhance a policy but are not universally present in unendorsed dwelling forms, making "Property removed" the correct choice in this context.