An insured's Homeowners policy covers an antique dining set. After a water pipe bursts, the insured moves the set to a storage shed to protect it from water damage. What is the longest period of time the homeowners policy will extend coverage to the dining set?

The homeowners policy typically extends coverage for personal property that has been temporarily removed from the premises, such as an antique dining set moved to a storage shed, but this coverage is often limited to a specific time frame. In this case, the correct answer is 30 days.

Insurers usually provide coverage for personal property that is removed to protect it from potential damage, but they set a limit on how long that coverage lasts—commonly 30 days. This is to ensure that the property remains insured while also encouraging the homeowner to address any issues at the primary residence in a timely manner.

Therefore, the homeowners policy will cover the dining set for up to 30 days after it has been moved to the storage shed due to the water damage risk. This time limitation reflects standard homeowners policy practices regarding personal property temporarily relocated for protection.