In a break-in scenario, which item is not covered under specified perils?

In a break-in scenario, which item is not covered under specified perils?

• A. Musical instruments that were in the trunk
• B. The bumper jack belonging to the insured automobile
• C. The insured's raincoat
• D. Property of the insured's passengers

Answer: (D)

Named perils coverage on a homeowners policy applies to property that belongs to the insured or household members and is within the insured premises or the insured’s own belongings. In a break-in, items that are clearly the insured’s property are covered for theft or damage under those named perils. A bumper jack is part of the insured’s automobile, and a raincoat is clothing owned by the insured, so these would be covered as the insured’s property. Belongings of others, such as passengers, aren’t automatically covered by the policy’s named perils because they aren’t the insured’s property or under the insured’s care and control. Without a separate endorsement for “property of others in your care,” those items typically aren’t covered. That’s why the property of the insured’s passengers is the item not covered under specified perils.

Named perils coverage on a homeowners policy applies to property that belongs to the insured or household members and is within the insured premises or the insured’s own belongings. In a break-in, items that are clearly the insured’s property are covered for theft or damage under those named perils. A bumper jack is part of the insured’s automobile, and a raincoat is clothing owned by the insured, so these would be covered as the insured’s property.

Belongings of others, such as passengers, aren’t automatically covered by the policy’s named perils because they aren’t the insured’s property or under the insured’s care and control. Without a separate endorsement for “property of others in your care,” those items typically aren’t covered. That’s why the property of the insured’s passengers is the item not covered under specified perils.