To All,
I have re-thought my answer and feel this is a poorly worded question. I am going to have this question removed from the course because I'm not sure I understand the intent of the author. I'm having a hard time figuring out if this is Coverage A or a Coverage C question.
Please pay attention to the special coverage limits for personal property as stated on page 63 of the state manual. You will probably see some of these special limits on your state exam. - Jan