Arizona Adjuster Practice Exam

Which of the following is NOT typically included in the coverage of property insurance?

1. Personal property of the insured

2. Liability for injuries

3. Business income losses

4. Field fences

The correct answer is: Field fences

In property insurance, coverage typically includes the personal belongings of the insured, liability for damages or injuries that occur as a result of the insured’s actions, and business income losses related to interruption of business due to a covered peril. However, field fences are often not included within standard property insurance coverage. They may be viewed as a personal property feature or a separate structure depending on the policy terms, but generally, coverage specific to outdoor structures like field fences is limited or excluded unless specifically added to the policy. This means that without explicit inclusion, field fences do not fall under the standard protections that property insurance provides.