HO-E

The Section II- Additional Coverages of Homeowners policies, damage to the property of others (whether or not in the insureds custody and regardless of fault) is covered up to: A. $1,000 per occurrence B. $1,500 per occurrence C. $5,000 per occurrence D. $2,500 per occurrence

A. $1,000 per occurrence

Under Coverage F of a Homeowners policy, which of the following would be covered? A. A neighbor who is injured while helping the insured lay carpet B. The insureds five year old son who falls off a deck on the back of the insured dwelling C. A roomer or tenant who falls down the stairs

A. A neighbor who is injured while helping the insured lay carpet

Under Section II of the Homeowners policy, a cemetery plot owned by the insured is considered to be: A. An insured location B. A non-insured location C. An additional location

A. An insured location

Sally's home is covered under an HO-3 policy. Coverage F of that policy will pay medical expenses for which of the following? A. Anyone who is invited onto Sally's property and is injured while there B. Sally and all her resident relatives C. Sally's roomers and/or boarders

A. Anyone who is invited onto Sally's property and is injured while there

Mary intentionally trips her neighbor while the neighbor is trespassing on the insured's property. Although the neighbor is not injured, Mary gives the neighbor $500 in cash to settle any potential liability claim. How will Mary's insurance company most likely respond in this situation? A. The insurer will deny liability coverage because Mary's action was intentional B. The insurer will reimburse Mary for $500, less any applicable deductible

A. The insurer will deny liability coverage because Mary's action was intentional

Which of the following claims would NOT be covered under Section II -- Liability of a Homeowners policy? A. The named insured files a claim for damage to his house caused by his dog B. An insureds dog attacks and damages his neighbors golf cart C. The insureds neighbor files a claim for damage to his house caused by the named insured

A. The named insured files a claim for damage to his house caused by his dog

Under Coverage F- Medical Payments in Section II of the standard Homeowners policies, medical expenses for the injured party will be paid as long as the claim is submitted: A. Within one year of the date of the accident B. Within three years of the date of the accident C. Within three years of the date each medical service was performed

B. Within three years of the date of the accident

What is the standard minimum limit of liability for Coverage E--Personal Liability coverage of a Homeowners policies? A. $50,000 per occurrence B. $1,000 per person C. $100,000 per occurrence D. $1,000,000 per occurrence

C. $100,000 per occurrence

Which of the following watercraft would be covered under Section II-Liability of the Homeowners form? A. Watercraft with a 40-horsepower outboard motor B. A 28-foot sailboat C. A watercraft in storage D. Watercraft with a 100-horsepower inboard motor

C. A watercraft in storage

Which of the following is not an additional coverage under Homeowners Liability--Section II coverage? A. Damage to the "property of others" B. First Aid C. Damage to "property owned by the insured"

C. Damage to "property owned by the insured"

Which of the following statements is TRUE regarding Coverage F- Medical Payments to Others on the Homeowners policies? A. Covers injuries sustained by tenants in the insureds residence B. Covers injuries sustained by the insured C. Pays the medical expenses of others without regard to whether or not the insured was negligent

C. Pays the medical expenses of others without regard to whether or not the insured was negligent

Under the additional coverages contained in Section II of the Homeowners forms, damage to "property of others" will not be covered if that damage was caused intentionally by an insured who is at least: A. 15 years of age B. 18 years of age C. 16 years of age D. 13 years of age

D. 13 years of age