The Basic Homeowner policy includes which of the following coverage combinations?

The Basic Homeowner policy includes which of the following coverage combinations?

• A. Building, personal property, summer cottage.
• B. Building, detached private structures, additional living expenses.
• C. Building, legal liability, increased personal property.
• D. Building, personal property and fine arts endorsements.

Answer: (B)

The Basic homeowners policy is built around three main areas of coverage: the dwelling itself (the building), other structures on the same property (like a detached garage or shed), and coverage for extra living expenses if you can’t live in the home after a covered loss. The choice that matches these core coverages is the one listing building, detached private structures, and additional living expenses. That combination directly reflects the standard Basic form’s primary protections. The other options mix in items like personal property, liability, or endorsements, which aren’t part of the basic trio.

The Basic homeowners policy is built around three main areas of coverage: the dwelling itself (the building), other structures on the same property (like a detached garage or shed), and coverage for extra living expenses if you can’t live in the home after a covered loss. The choice that matches these core coverages is the one listing building, detached private structures, and additional living expenses. That combination directly reflects the standard Basic form’s primary protections. The other options mix in items like personal property, liability, or endorsements, which aren’t part of the basic trio.