In a break-in, specified perils will cover which item?

In a break-in, specified perils will cover which item?

• 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: (B)

Specified perils coverage pays for losses only when they fall under the named risks listed in the policy. In a break-in involving the insured’s vehicle, the bumper jack that belongs to the insured automobile is considered part of the vehicle’s own equipment and property of the insured, so it falls within the scope of coverage for the car’s contents or equipment affected by a break-in. The other items are typically not covered under this type of break-in coverage: musical instruments in the trunk are personal belongings and usually require separate personal-property coverage; a raincoat is clothing and not a specified peril item; and property of the insured’s passengers belongs to someone else and isn’t covered by the insured’s policy in this context. So the bumper jack is the item that would be covered.

Specified perils coverage pays for losses only when they fall under the named risks listed in the policy. In a break-in involving the insured’s vehicle, the bumper jack that belongs to the insured automobile is considered part of the vehicle’s own equipment and property of the insured, so it falls within the scope of coverage for the car’s contents or equipment affected by a break-in. The other items are typically not covered under this type of break-in coverage: musical instruments in the trunk are personal belongings and usually require separate personal-property coverage; a raincoat is clothing and not a specified peril item; and property of the insured’s passengers belongs to someone else and isn’t covered by the insured’s policy in this context. So the bumper jack is the item that would be covered.