State Farm Insurance License Practice Exam

Which of the following best describes appurtenant structures?

1. Buildings of equal value to the main insured building

2. Buildings of lesser value on the same premises

3. Structures that are not covered by the insurance policy

4. Buildings located at a different site from the insured property

The correct answer is: Buildings of lesser value on the same premises

Appurtenant structures refer to additional buildings or structures that are situated on the same premises as the main insured property. These structures typically serve a secondary function in relation to the primary building—for example, a detached garage, shed, or gazebo. The key characteristic of appurtenant structures is that they are generally of lesser value than the primary building they serve. This understanding helps in determining coverage for these appurtenant structures within an insurance policy. While they may not have the same level of coverage as the main insured building, they are still considered part of the overall coverage if they fall within the same property boundaries. The other options provided do not accurately define appurtenant structures. For instance, appurtenant structures are specifically related to the insured property and are not structures that lack coverage or are located on different sites. Therefore, the best description for appurtenant structures is that they are buildings of lesser value on the same premises as the primary insured building.