Washington State Insurance Practice Exam

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Which of the following is NOT typically covered under standard homeowner coverage?

  1. Bodily injury to others

  2. Personal liabilities

  3. Personal property damage

  4. Vehicle collision

The correct answer is: Vehicle collision

Standard homeowner coverage typically does not include coverage for vehicle collision. Homeowner insurance typically covers damages to the home itself, personal property inside the home, personal liabilities in case someone is injured on the property, and other related incidents. Vehicle collision coverage is typically provided through auto insurance policies, not homeowner insurance. Therefore, it is important for homeowners to have a separate auto insurance policy to protect against damages or liabilities related to vehicle collisions.

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