Ch.13 Homeowner and Dwelling Policies

The insured's 14 year-old child intentionally damaged the neighbor's house. The Additional Coverages section of the HO policy will pay:

$0

The insured's 15 year-old intentionally vandalized the neighbor's car. Under the Damage to Property of Others coverage, the HO will pay:

$0

The insured's 15 year-old child negligently rode her bike into the neighbor's house causing $1,800 damage. The HO policy will pay:

$1,800

If the insured's dog bites a jogger, the HO will pay a maximum of defense costs plus:

$100,000

In the evenings, Nancy runs a baby-sitting service in her home. She cheerfully babysits neighborhood kids because she loves the kiddies. She never charges for this service. If a child is injured in her home, Nancy's HO policy's Section II coverage limit for such a claim is:

$100,000

While playing with fireworks, Smith's 16-year-old child negligently destroyed the neighbor's $250,000 home. Smith's homeowner's policy will cover the liability up to:

$100,000

Molly's HO-00-03 has a $250 deductible and $1,500 limit for theft of jewelry. Molly's jewelry is also covered by a Scheduled Personal Property Endorsement (that is, an Inland Marine floater) with a $2,500 limit of liability. If $4,000 worth of Molly's jewelry is stolen, she will recover a maximum of how much?

$2,500

A Dwelling policy may be used if the structure has a maximum of how many boarders?

5

Section II of the HO policy provides liability coverage for:

Accidents

The HO's Personal Liability section covers:

Damage to the property of other persons.

The HO-3 may cover which of the following

Dwelling under construction

A DP-1 (Dwelling Policy -1) covers each of the following EXCEPT:

Earth Movement

A DP-3 covers:

Fire set by arsonists.

Section II of the HO policy covers

Medical Payments

The HO-3 covers which of the following?

None of these above

While on vacation, an insured suffered a fire loss to his personal property which he had taken with him on the vacation. His DP-3 will cover this loss in which manner?

The loss will not be covered.

The HO-3 covers which of the following

Vandalism if the structure has been vacant for 60 consecutive days.

Section I of the HO-3 covers trees, shrubs, and plants for loss caused by each of the following EXCEPT:

Wind

Which of the following boats owned by the Insured would be covered under the Insured's Homeowners policy?

a boat with a 20 horsepower outboard engine

Section II of a Homeowner Policy provides coverage for:

acts of the homeowner's dog.

Section I of the HO covers each of these EXCEPT?

bodily injury liability

The HO-5 policy provides:

both Coverage E (Personal Liability) and Coverage F (Medical Payments)

The HO forms include a special limit for each of the following except:

clothes

The wind blows the Insured's tree over, resulting in damage to the Insured's home and car. The Insured's HO-3 will cover the damage to the Insured's:

home

In comparing an HO-2 and HO-3, the HO-3 has:

none of the above

Which HO coverage does NOT have a deductible?

personal liability

Under Section II of the HO policy, Med Pay will cover a claim:

regardless of liability

The HO's Personal Property coverage applies to

the insured's clothing.

While at the lake, my boat could be destroyed by fire, striking another boat, lightning, sinking, etc. If the boat is destroyed, my HO Insurer will pay a maximum of:

the policy limit.