Florida Insurance Claims Adjuster License Practice Exam

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Prepare for the Florida Insurance Claims Adjuster Test. Access multiple choice questions, flashcards, and detailed explanations to enhance your knowledge and confidence. Start mastering the material today!

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Which of the following is not covered under Coverage C of a HO Policy?

An aquarium is knocked over and the fish die
A student away at school has his golf clubs stolen
An insured's luggage is stolen from his hotel room
A weekend guest loses his hearing aid during a fire

The correct answer is: An aquarium is knocked over and the fish die

Coverage C, also known as personal property coverage, provides coverage for personal belongings such as furniture, appliances, and clothing. Option A includes damage to the fish which is a type of personal property. Therefore, it is incorrect as it is covered under Coverage C. Option B, on the other hand, is not covered under Coverage C as it involves theft of a specific item, in this case, golf clubs, which falls under Coverage B for personal property off-premises. Option C also falls under Coverage B as it involves theft of personal property while traveling away from the insured's home. Option D involves a personal belonging, the hearing aid, which would be covered under Coverage C. Thus, option A is the correct answer as it does not fall under any of the coverages provided under a HO policy.