Florida Insurance Claims Adjuster License Practice Exam

What is covered under Coverage A?

1. Bodily Injury and Property Damage

2. Only Property Damage

3. Only Bodily Injury

4. Legal and medical expenses

The correct answer is: Bodily Injury and Property Damage

Coverage A is typically referred to as "Dwelling coverage" in a homeowner's insurance policy, and provides protection against physical damage to your property, such as your house, garage, or any other structures on your property. Option B is incorrect because property damage would only cover damage to the property itself, not any personal injury that may occur on the property. Option C is incorrect because bodily injury coverage would only cover medical expenses for injuries sustained by others on your property, not damage to any physical structures. Option D is incorrect because legal and medical expenses are typically covered in different sections of homeowner's insurance policies and are not included under Coverage A.