# Property & Casualty Exam Prep 18, Homeowners Section I Property Coverages

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-18-homeowners-section-i-property-coverages
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-18-homeowners-section-i-property-coverages.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-06-20T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/0579f2ad-9c10-4b3c-8838-607f95cc7057.mp3
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Duration seconds: 165

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Coverage A (Dwelling) protects the main home, attached structures, and construction materials on site. - Coverage B (Other Structures) has a standard limit of 10% of Coverage A and excludes structures used for business. - Coverage C (Personal Property) is typically 50% of Coverage A and has special sub-limits for items like jewelry and silverware. - Coverage D (Loss of Use) pays for the *increase* in living expenses, not normal ongoing costs like a mortgage. - The mnemonic "Don't Overlook People's Losses" is a simple way to recall the first four property coverages. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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