Under the Building and Personal Property Coverage Form, which of the following is included in the definition of a building?

• A. Floor coverings
• B. Copy machines
• C. Temporary structures on or within 100 feet
• D. Trade equipment

Answer: (A)

The Building and Personal Property Coverage Form treats the building as the structure itself plus permanently installed parts and fixtures. Floor coverings, such as carpet or tile that are installed as part of the building, are considered permanent fixtures and are included in the building definition.

Copy machines are movable business personal property and are not part of the structure, so they’re covered as contents rather than as building property. Temporary structures on or within 100 feet are not typically part of the building definition unless they’re permanently attached, so they wouldn’t be included as building property. Trade equipment is equipment used in the business and also falls under personal property rather than the building.