Florida Insurance Claims Adjuster License Practice Exam

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The policy covers property that the named insured does not own under which condition?

  1. When it is in the care of the insured

  2. Only if the insured is legally liable for it

  3. If it is located within the insured's premises

  4. None of the above

The correct answer is: Only if the insured is legally liable for it

This is because the policy only covers property that the named insured does not own if they are legally liable for it. This means that if the property is not legally the insured's responsibility, it would not be covered under the policy. Options A and C both involve the insured having some level of control or responsibility for the property, so they would not fall under this condition. Option D is incorrect because the question specifically states "under which condition," indicating that there is a specific condition that the policy covers the property under.

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