Texas All Lines Adjuster Practice Test

What aspect is NOT typically covered by inland marine insurance?

1. Transportation of goods via land

2. Property safe from theft

3. Transportation of property over water

4. Property in transit over land

The correct answer is: Transportation of property over water

Inland marine insurance primarily focuses on the coverage of goods and property that are in transit over land, as well as certain types of movable property and equipment. The key aspect that is not typically covered by inland marine insurance is the transportation of property over water, which falls under marine insurance. Marine insurance is specifically designed to cover the risks associated with shipping and transporting goods via ocean or other large bodies of water. Thus, when goods are in transit over water, they are outside the scope of inland marine insurance and require separate marine coverage. This distinction is crucial for understanding the different types of insurance available for property in various states of transit. In contrast, inland marine insurance does cover the transportation of goods via land, property in transit over land, and certain other types of property that may be vulnerable to theft or damage while not on a permanent location, which aligns with the nature of inland marine risks.