Dwelling policy
which of the following does not apply to the other coverage glass or safety glazing material?
Applies to all dwelling forms - coverage is only provided under DP-2 and DP-3 forms.
All of the following are types of property NOT covered under coverage C - personal property, except?
Canoe
All of the following are covered under coverage B - other than structures, except
Construction materials
Which of the following dwelling forms pays for losses to the dwelling on an actual cash value basis?
DP- 1 Basic Form
Of the Dwelling Policy forms, which one would cover an owned mobile home permanently affixed to a foundation?
mobile home is only eligible for coverage under the DP-1.
Which DP form does not cover burglar damage?
Basic Form (DP-1)
Which of the following would not be covered under Coverage C of the Special Dwelling Form?
The insured's golden retriever
Which of the following property is not covered under Coverage A of a Dwelling Policy?
The land on which the dwelling is located
The limit of insurance for the coverage trees, shrubs, and other plants is provided at which percentage of the coverage A limit?
5 %
All of the following are eligible for coverage under the Dwelling Program, except:
A beauty shop with a small bedroom attached- A dwelling used primarily for business is not eligible.
Coverage D covers which of the following losses?
Access prevented by a civil authority because of a neighboring location's direct loss by a peril covered under the insured's policy- Coverage D, Fair Rental Value, includes coverage for the indirect loss of access prevented by a civil authority due to the direct loss of a neighboring property by a covered peril.
The Basic (DP-1) Dwelling Form does not include which coverage?
Additional living expenses-Coverage for Additional Living Expenses is only available under the DP-2 and DP-3 forms.
The abrupt falling down or caving in of a building disallowing it to be used for its intended purpose is the definition of:
Collapse is defined as the abrupt falling down or caving in of a building, but only if it cannot be occupied for its current intended purpose. If a building, or any portion of a building, is in danger of falling down or caving in -- or if it's standing, it is not in a state of collapse.
Damaged household and personal property in transit between the insured's old and new residences is covered by the Dwelling Policy under:
Coverage C is the coverage for Personal Property. 10% of the Coverage C limits apply to the Insured's Personal Property away from the premises anywhere in the world.
Which is true of Coverage C of the Dwelling Policy?
Coverage C provides coverage for the personal property of a guest - At the insured's request, Coverage C will apply to personal property of a guest or servant while located on the described location. Personal property of a tenant or boarder is not covered.
which coverage pays for loss of rents due to direct loss to the dwelling from a covered peril?
Coverage D- Fair rental Value
The personal liability endorsement includes each of the following additional coverages, except?
Debris removal - Is not coverd under a personal liability coverage.
Water damage caused by which of the following is a covered loss under the Dwelling policy?
Discharge caused by a plumbing failure- Water damage is excluded if caused by surface water, tidal water, and leakage through a building, foundation, or other structure.
Which of the following program forms covers the building on a open peril basis?
Dp - 3 special form
Which is not eligible under the dwelling program?
Dwelling Is located on a part property.
All of the following statements are TRUE about the broad theft coverage endorsement, except?
It does not apply to the DP-1 - BROAD THEFT can be added to any form.
An insured looking to cover the dwelling against an intentional loss would need to purchase which dwelling form?
No Dwelling form offers this coverage
The DP-3 provides what coverage for damage to the insured's dwelling due to a power failure when lightning strikes a power transformer 2 miles away?
No coverage- Damage from power failure that takes place away from the insured premises is excluded under the Dwelling forms.
What type of power failure is excluded under all of the dwelling forms?
Power failure that occurs off the insured premises.
Sudden and accidental damage from artificially generated electrical current best describes a(n):
Power surge- Sudden and accidental damage from artificially generated electrical current is caused by man-made electricity or power surge.
Which of the following is not true about coverage for property removed ?
Property coverage applies under the DP_1 policy for 30 days while property is being removed.
Under the Dwelling Broad Form, losses to an unattached garage are paid on which basis?
Replacement Cost- The DP-2 provides for losses to the dwelling and other structures are paid on a replacement cost basis.
Which of the following describes the loss settlement basis for a fire damage claim to a dwelling insured under a DP-3 policy?
Replacement cost up to the Coverage A limit- The dwelling is covered under Coverage A. Losses to the dwelling and other structures are paid on a replacement cost basis, and losses to personal property are paid on an actual cash value basis.
Which of the following is true of a Dwelling Form?
The Special Form covers the building and other structures on an open perils basis
Which of the following statements about the DP-3 Policy is false?
The dwelling and contents are both covered on an open perils basis
All of the following statements are correct regarding the Fire Department Service Charge in Dwelling Policies, except:
The policy will pay up to $1,000- The Dwelling policy will pay up to $500 for liability assumed for fire department charges when the fire department is called to save or protect covered property from an insured peril. Coverage does not apply if the property is located within the limits of the city, municipality, or protection district furnishing the fire department response. This is additional insurance and the policy deductible does not apply.
Under a Dwelling Policy, the coverage extension of Debris Removal will pay for:
The removal of the debris caused by an insured peril
Which statement is true regarding the Personal Liability Supplement to the Dwelling policy?
The supplement provides coverage for claim expenses -The liability supplement provides coverages for claim expenses, first aid expenses, and damage to the property of others. Limits of liability are provided under Coverage L and Coverage M, to whatever limits the insured wishes to be indemnified for. Professional services are excluded.
Under the Broad Form Dwelling Policy (DP-2), which peril is not included for coverage without an endorsement?
Theft - Theft Coverage for the Broad Form Dwelling Policy (DP-2) is available only through attachment of the Limited Theft or the Broad Theft endorsements.
The Dwelling Broad Form (DP-2) insures against all of the following perils, except:
There is no theft coverage in a Dwelling broad Form policy.
Which of the following is false regarding dwelling policies?
Trees, shrubs and plants are covered for up to $2,500 total -The limit for trees, shrubs and plants is $500 for any 1 item or 5% of Coverage A.
Which of the following perils would be covered under a Dwelling policy?
Water discharged by a plumbing failure
All of the following are covered perils under the Extended Coverage Endorsement to the DP-1, except:
Weight of ice, snow or sleet
Which is true of the Dwelling policy Special Form?
contents are covered on an actual cash value basis
An attached carport is covered under which of the filing coverages?
coverage B other Structures
The earth movement exclusion contains all of the following perils, except?
explosion
How much will the Dwelling Policy pay for living expenses after a dwelling insured for $100,000 Coverage A is damaged by a fire?
usually 10 % but if addintional living expense- coverage E is added will go up to 20%
