Nevada Personal Lines Insurance Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Property insurance is designed to protect against various risks to physical assets. Damage from a hostile fire is covered because it pertains to uncontrolled fires that cause harm. Additionally, losses due to theft are commonly covered under property insurance, as they involve the loss of property due to criminal acts.

Damage from a storm is also typically covered, as most property insurance policies include provisions for weather-related damages, such as those caused by wind or hail.

In contrast, damage from a friendly fire is often excluded from coverage. Friendly fire refers to a situation where a fire that was intended to be controlled, such as one used for cooking or heating, ends up causing unintended damage. This type of fire is generally seen as having a lower risk profile by insurers, indicating that policyholders may not pay for coverage relating to such incidents, or that specific exclusions exist. Therefore, this consideration leads to the conclusion that damage from a friendly fire typically would not be covered by property insurance.