State Farm Fire Independent Policy Practice Exam 2025 - Free Sample Policy Questions and Study Guide

Covered personal property under an HO-3 policy typically includes items that you own and would normally have in your residence. In this context, sporting equipment brought to a cabin is considered personal property that is generally covered, as it falls under the category of personal effects that are used during leisure activities away from home. This coverage extends to items owned by the insured, regardless of their location, as long as they are being used for recreational purposes.

In contrast, building materials used for repairs are not generally classified as personal property; instead, they are more associated with structure coverage and are usually covered under the dwelling portion of the policy. Tools used for home improvements often do not qualify for coverage as personal property under an HO-3 policy because they are related to the maintenance or improvement of the home, rather than personal use. Clothing stored in the garage can be tricky, as while personal items are covered, they may be subject to limitations depending on their exposure to potential hazards in that area, such as fire or theft, which are usually higher in a garage setting. Thus, sporting equipment brought to a cabin aligns best with what is defined as covered personal property in this type of policy.