Chapter 13

In the evenings, jack runs a baby-sitting business in his home. Jack charges $380 per hour for babysitting kids. If a child is injured, the HO policy's section 2 coverage limit for such a claim is:

$0

Four trees valued at $200, $500, $700 and $800 were destroyed by fire. The HO-5 will cover this loss to a total of:

$1,700

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

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$

To be eligible for a mobile home endorsement, the dwelling must be at least:

10 feet wide and 40 feet long

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

5

The HO-2 provides vandalism coverage for a maximum of how many's days after the beginning of the vacancy?

60 days

Section 2 of the HO policy provides liability coverage for:

Accidents

Section 2 of a homeowner policy provides coverage for:

Acts of the homeowners dog

Section 1 of the HO covers each of these EXCEPT:

Bodily injury liability

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

Clothes

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

Of the following which provides the broadest coverage for the dwelling and contents?

HO-3

The HO policy which provides the best coverage for an owner who occupies a single family home is the:

HO-5

If the insured is injured in her home, she will be compensated under:

Her health insurance policy, but not under the HO at all

Under the pair or set rule:

In no event will the loss of one item in the pair or set be considered to be the loss of all items in the pair or set.

Section 2 of the HO will cover each of these EXCEPT:

Injury to the insured's employee covered by Workers comp

Which is true regarding the HO-8?

It was created because replacement cost is too costly for some homes.

Section 2 of the HO policy covers:

Medical payments

I'm comparing an HO-2 and HO-3 the HO-3 has:

None of the above

The HO-3 covers which of the following ?

None of the above (covers vandalism 60 days)

The HO's medical payments pays:

Only up to its limit of liability

A homeowners policy requires notice of a loss to be given to each of the following EXCEPT:

Other insureds

The liability coverage under a HO is identical to the coverage under the:

Personal Liability Policy

Under section 2 of the HO policy, Med pay will cover a claim:

Regardless of liability

The HO forms have a special limit for which of the following?

Silverware

A homeowner's water pipe cracks due to freezing and begins to leak. The leakage damages the floor before flowing into the basement and causing further damage. The insured's HO-3 will cover:

The damaged cause but not the cost of repairing the pipe

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.

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

The most a HO policy will pay for a liability slip and fall claim under section 2 of the policy is:

The policy's limit of liability

The HO-3 covers which of the following:

Vandalism if the structure has been vacant for 60 consecutive days

Section 1 of the HO-3 covers trees, shrubs, and plants for losses caused by each of the following EXCEPT:

Wind

An HO-3 covers each of these EXCEPT:

flooding

Which HO coverage does NOT have a deductible?

personal liability

For the dwelling, Mobile Home policies cover loss settlement:

replacement cost basis

A Mobile Home policy covers a detached garage:

to 10% of A (with at least $2,000 coverage)

With a mobile home endorsement, personal property is covered to

to 40% of A