Which item is included as Covered Building Property (Coverage A) under NFIP?

Which item is included as Covered Building Property (Coverage A) under NFIP?

• A. Artwork stored off-site
• B. Outdoor antennas attached to buildings
• C. Personal items in a tenant's apartment only
• D. Vehicles used on public roads

Answer: (B)

Coverage A includes the building itself and any fixtures or equipment that are permanently attached to it. Outdoor antennas that are attached to the building are considered part of the structure, so they’re included in this coverage. Artwork stored off-site isn’t part of the building and would be treated as personal or off-premises property, not building property. Personal items in a tenant’s apartment belong to the occupant, not the insured building, so they aren’t covered as building property. Vehicles used on public roads aren’t building property either; they’re typically excluded from this coverage and would need separate auto or other insurance.

Coverage A includes the building itself and any fixtures or equipment that are permanently attached to it. Outdoor antennas that are attached to the building are considered part of the structure, so they’re included in this coverage.

Artwork stored off-site isn’t part of the building and would be treated as personal or off-premises property, not building property. Personal items in a tenant’s apartment belong to the occupant, not the insured building, so they aren’t covered as building property. Vehicles used on public roads aren’t building property either; they’re typically excluded from this coverage and would need separate auto or other insurance.