The Section II - Coverage E & F

What is the standard minimum limit of liability for Coverage E -- Personal Liability coverage on Homeowners policies?

$100,000 per occurence.

Which of the following would be covered under a Homeowners policy for liability off the residence premises?

A golf cart used to play golf off the insured's premises.

Under Coverage F of a Homeowners policy, which of the following would be covered?

A neighbor helping the insured to lay carpet.

Which of the following watercraft would be covered under Section II - Liability of the Homeowners forms?

A watercraft in storage.

Sally's home is covered under an HO-3 policy. Coverage F of that policy will pay medical expenses for which of the following?

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

There are two insuring agreements in Section II of the Homeowners policies, they are...

Coverage E - Personal Liability and Coverage F - Medical Payments to Others.

Which coverage of a Homeowners policy would pay for damage to a neighbor's window caused by the insured?

Coverage E.

Which of the following would be covered under section II - Liability of the Homeowner policy?

Damage to the rented premises occupied by the insured caused by a fire accidentally caused by the insured.

Which of the following statements is TRUE regarding Coverage F - Medical Payments to Others on the Homeowners policies?

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

Homeowners policies typically provide coverage for all of the following, EXCEPT:

Personal injury.

In insurance terms, the phrase "severability of insurance" means:

The insurance applies separately to each insured.

The Section II "additional coverages" of the Homeowners policy will pay up to $1,000...

for accidental damage to property of others caused by the insured.

Section II of the Homeowners policies exclude bodily injury...

inflicted by one family member on another family member.

An exception to the exclusion under Section II of the Homeowners policy...

is that a vessel with one or more outboard engines or motors with 25 horsepower or less are covered.

Section II of the Homeowners policy excludes...

liability assumed by an insured under a contract.

Section II of the Homeowners forms cover insureds for...

their direct and indirect exposures for liability both on and off the insured premises.

Coverage E - Personal Liability pays on behalf of the insured, all sums he/she is legally obligated to pay...

to others because of bodily injury or property damage caused by an "occurrence".