Insurance Exam Practice

A tenant wants federal flood coverage for furniture and belongings in a rented house. What must the tenant do?

Property & Casualty practice question · 2 posts · last activity Sep 15, 2026

  1. A.Purchase contents coverage, which is bought separately from building coverage and carries its own limit and deductible Correct answer
  2. B.Purchase building coverage in the tenant's name, since contents coverage is included with the building limit
  3. C.Ask the landlord to add a contents endorsement to the building policy naming the tenant as an additional insured
  4. D.Rely on the landlord's building coverage, which extends to a tenant's belongings up to 10% of the building limit

Explanation

Federal flood building and contents coverages are separate purchases with separate limits and deductibles, so a tenant can buy contents alone. The landlord's building coverage protects the structure and never extends to a tenant's belongings. A tenant cannot buy building coverage on property owned by someone else, nor endorse the landlord's policy for personal property.

What learners picked (98 answers):
A: 82%B: 5%C: 10%D: 3%

Discussion (2)

AlphThinks the answer is A

Must add contents coverage I think by endorsement if you want your furniture and belongings covered by a flood because landlords do not provide that.

Insurance Exam PracticeStaff

Good vote - A is correct, and you're right that a landlord's policy never covers a tenant's belongings. One refinement: federal flood contents coverage isn't an endorsement to the landlord's policy. It's a separate NFIP policy the renter buys directly, with its own limit (up to $100,000 for residential contents) and its own deductible. That separation is exactly why option C is wrong.

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