Question

99. Which item would NOT be covered under building coverage in a building and personal property policy?

(Choose from the following options)
1. The bulldozer being used as part of a business addition under construction that is parked 500 feet from the building
2. The tables and chairs used by a coffee shop as part of its outdoor seating
3. The building housing a dress shop
4. The ice cream case permanently installed in an ice cream shop

Answer 1

The item that would NOT be covered under building coverage in a building and personal property policy is the tables and chairs used by a coffee shop as part of its outdoor seating.

Step-by-step explanation:

In a building and personal property policy, building coverage typically applies to the actual building structure itself and any permanently attached fixtures such as walls, plumbing, and electrical systems. Based on this definition, the item that would NOT be covered under building coverage is option 2: the tables and chairs used by a coffee shop as part of its outdoor seating. These items are not considered a part of the building structure and are instead categorized as business personal property.