California Personal Lines Broker Practice Test 2026 - Free Practice Questions and Study Guide

In a standard HO-3 homeowner's insurance policy, Coverage A protects against risks and perils related to the dwelling and attached structures. The exclusions specified in Coverage A are important for policyholders to understand as they identify what is not covered.

Damage caused by a deer is not typically classified under the standard exclusions of Coverage A. Homeowner's insurance usually covers damage caused by animals, including wild animals like deer, as long as it is not intentional or exacerbated by neglect. In this case, a deer causing damage is considered an unpredictable occurrence and generally falls under the covered perils, contrasting with the other options which represent common exclusions.

On the other hand, damage caused by the insured's dog is typically not covered under the policy due to liability issues. Similarly, vermin and insect infestations can lead to gradual damage, which homeowners insurance generally excludes due to the maintenance issues involved. Therefore, while the other forms of damage relate to exclusions based on control and liability, damage by a deer does not fall into these categories, making it the correct choice as not being an exclusion under Coverage A.