Homeowners insurance policy: Does Homeowner cover my garage if it catches on fire, loss of garden tractor, lawn furniture, and boat motor?

Yes, damage by fire is covered, up to policy limits, subject to conditions.

No, damage by insects is not covered.

The point of the question - as this is clearly a licensing question - is that you can apply coverage perils to different types of property, which can have different coverage conditions and special limits of liability under the policy. For instance, that boat motor is covered one way by fire, and a different way by theft. Do you know what the coverages are? You'll need to, if you want to pass that exam.

Nothing for the insects, not covered.

You don't say whether contents are covered on a replacement cost basis, so I cannot answer the second half of your question. Additionally, coverage for boats depends on the length and engine size, most are not covered by homeowners policies.

You can make a claim, but they'll deny it. Your HO Ins doesn't cover dabage due to actions you take. For example, you get angry, punch the wall, and break through the drywall. Your insurance will not pay this. And claiming you weren't in your right mind or that you weren't yourself when the beer damage happened won't cut it. =)

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if this is an attached garage, yes. if it is not attached garage, you will need to check the full policy small print.