Homeowners: Section II Liability Coverage

What would no be covered by HO liability insurance?

Intetnional tort. Insurance would not cover losses caused by intentional acts of the insured.

Coverage F (medical payments) under a homeowners policy would cover:

A residence employee who is injured on the job. Residence employees are eligible for medical payments if the bodily injury arises in the course of employment, and if the employee is not covered by workers compensation.

The insureds mother in law broke her leg falling down the front steps of the insureds premises. The insureds homeowners medical payments coverage will

Apply to injuries of any guests or visitors. Homeowners medical payments coverage applies to injury of any guests or visitors of the insured who are on the insureds premises witht eh insureds permission.

First aid costs for others injured on the insureds premises

Are paid in addition to the liability limit. First aid costs for others apple even if you are not legally liable and are in additoin to the stated limits, but do not apply to those regularly at the location.

First aid costs for others injured on the insureds premises

Are paid in addition to the liability limit. First aid costs for others apply even if you are not legally liable and are in addition to the stated limits, but do not apply to those regularly ar the location.

Which of the following coverages will respond if a claim is made or a suit is brought against an insured for damages due to bodily injury or property damage caused by an occurrence to which the coverage applies?

Coverage E- Personal Liability. Personal Liability will respond if a claim is made or a suit is brought against an insured for dmages due to bodily injury (BI) or property damage (PD) caused by an occurence to which the coverage applies.

Additional coverage in the liability section of a homeowners policy cover all the following EXCEPT:

Damage to a third party proeprty for which the insured is legally liable. Legal liability is a primary liability coverage, not an additonal coverage.

Another person has alleged that you are responsible for damage tot heir property. You notify your homeowners insurer. The insurer will...

Either pay of defend as it decides.

While cutting the grass in you yard with your brothers borrowed lawnmower, the fuel line ruptures and the lawnmower is destroyed in the fire. How will you HO liability react?

It will cover the damage to the property of others even if you are not liable.

What is covered and included in an unendorsed homeowners policy?

Medical payments to others. Medical payment to others is automatically included in Section II of all the HO policies.

Which coverage is included in an unendorsed homeowners policy?

Medical payments to to otehrs. Medical payments to to others is automatically included in Section II of all HO policies.

What type of coverage is Coverage E in homeowners policies?

Persoanl liability. Coverage E is persoanl liability.

Which is an additional liability coverages automatically provided in a homeowners policy?

Personal injury. Personal injury may be added by endorsement.

What would not be covered by meidcal payments to to others in Section II of you HO policy?

You cut your leg while whacking weeds in your backyard with you neighbors weed whacker. If you hurt yourself, accident and health insurance would be needed for your injuries.