Which of the following is NOT a coverage that must be present to add Utility Interruption coverage?

Utility Interruption coverage is a specific type of insurance coverage that provides protection against direct and indirect losses resulting from the interruption of utility services, such as electricity, gas, or water. To qualify for this coverage, certain underlying coverages must be present in the policy.

The option that indicates Property Damage as a necessary component for Utility Interruption coverage is not correct. Property Damage coverage pertains to physical loss or damage to property, which does not directly relate to the disruption of utility services. Therefore, it is possible to have Utility Interruption coverage without having Property Damage coverage specifically in place.

In contrast, Spoilage Damage, Extra Expense, and Business Income and Extra Expense coverages are typically linked to the types of losses you might suffer when utility services are interrupted. Spoilage Damage would cover losses to perishable items that may be affected by a lack of utility service. Business Income and Extra Expense coverage specifically relates to the income lost during the business interruption caused by the lack of utility service and the extra costs incurred to minimize this interruption.

Thus, understanding the nuances of what coverages are interrelated helps clarify why Property Damage is not a necessary condition for obtaining Utility Interruption coverage.