Podcast
Questions and Answers
Parts of your home used for farming or rural lifestyle purposes are covered.
Parts of your home used for farming or rural lifestyle purposes are covered.
False (B)
Temporary structures are included in the coverage.
Temporary structures are included in the coverage.
False (B)
Loose gravel driveways are covered under the policy.
Loose gravel driveways are covered under the policy.
False (B)
Home offices used solely for clerical purposes are covered.
Home offices used solely for clerical purposes are covered.
Kitchen ovens are included in the coverage if they are not permanently fitted.
Kitchen ovens are included in the coverage if they are not permanently fitted.
Flashcards
Commercial Use Exclusion
Commercial Use Exclusion
Parts of your home used for commercial purposes are not covered, unless they're rented out as residential property or used as a home office.
Farming Structures Exclusion
Farming Structures Exclusion
Farming or rural lifestyle structures, like barns and stables, are not covered. This applies to both commercial and non-commercial uses.
Construction/Renovation Exclusion
Construction/Renovation Exclusion
Home insurance does not cover structures under construction, deconstruction, or renovation, unless it's part of a specific benefit.
Loose Fittings Exclusion
Loose Fittings Exclusion
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Plant and Land Exclusion
Plant and Land Exclusion
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Study Notes
Exclusions from Home Insurance Coverage
- Business use: Parts of a home used for business (commercial purposes) are excluded, unless the home is rented as a residential property or a part is a home office for clerical work.
- Farming/Rural use: Parts built or used for farming (stables, barns, farm outbuildings, fences) are excluded, unless covered under limited rural lifestyle use or the Lifestyle block fencing benefit.
- Construction/Alteration: Parts under construction, demolition, or alteration, not suitable for permanent residential use, are excluded, unless covered by the New structure build benefit.
- Temporary structures: Temporary structures are excluded.
- Loose surfaces: Loose gravel, shingles (driveways, patios, paths, paving) are excluded.
- Detached fittings: Fittings not permanently attached (curtains, blinds) are excluded.
- Loose floor coverings: Mats, rugs, runners are excluded.
- Unconnected appliances: Appliances not permanently connected to gas, plumbing, or electrical supply (except kitchen ovens) are excluded.
- Household items: Household goods and personal effects are excluded.
- Live plants: Live plants (trees, shrubs, hedges, grass) are excluded, unless covered by the Landscaping benefit.
- Land: Land, earth, or fill are excluded.
- Off-property structures: Structures or property not at the policy's listed address are excluded.
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Description
Explore the various exclusions that may apply to home insurance coverage. This quiz covers important aspects such as business use, rural use, construction alterations, and temporary structures. Test your knowledge on what typically is not covered by home insurance policies.
