Homeowners E& F
Under the standardized homeowners forms, how much "additional coverage" is provided under Section II - liability for loss of earnings by the insd to assist the insurer in the investigation or defense of a claim
$250 per day
What is the standard minimum limit of liability for coverage E -- Personal Liability coverage on HO policies?
100,000 per occurrence
Which coverage of a Homeowners policy would pay for damage to a neighbors window cause by the insd?
Coverage E
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?
The insurer will deny liability coverage because mary's action was intentional
Under Coverage F of a Homeowners Policy, which of the following would be covered?
a neighbor who is injured while helping the insured to lay a carpet
Which of the following is not an "additional coverage" under HO liability - Section II coverage? a) damage to "property owned by the insd" b) first aid c) interest accruing after a legal judgement is entered d) damage to the property of others
a) Damage to property owned by the insd
Which of the following watercraft would be covered under Section II - Liability of the HO forms a) a watercraft in storage b) watercraft with a 100-horsepower inboard motor c) watercraft with a 40-horsepower outboard motor d) a 28-Foot sailboat
a) a watercraft in storage
Which of the following would be covered under Section II - Liability of the Homeowner policy? a) damage to rented premises occupied by the insured caused by a fire accidentally set by the insured b) Operating a 75 - HP boat owned by the insured c) Operating a dirt bike off the insured's premises d) Intentional acts of the insured
a) damage to rented premises occupied by the insured caused by a fire accidentally set by the insured
Under Section II of a homeowners policy, a cemetery plot owned by the insured is considered to be:
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?
anyone who is invited onto Sally's property and is injured while there
Which of the following claims would NOT be covered under Section II -- Liability of a Homeowners policy? a) an insured's dog attacks and damages his neighbor's golf cart b) the insured's neighbor files a cliam for damage to his house caused by the named insureds dog c) an insured accidentally runs over his neighbors foot with a golf cart at the local country club d) the named insured files a claim for damage to his house caused by his dog
d) 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 HO policies, medical expenses for the injured party will be paid as long as the claim is submitted
within 3 years of the date of the accident
Under additional coverages contained in section II of the HO forms, damage to "property of others" will not be covered if that damage was caused intentionally by an insd who is at least:
13 Years Old
Sam and Dan are working to clean out the gutters around the roof on Sam's house. Sam and Dan are standing at the top of separate ladders that are propped against the side of Sam's house, when Dan's ladder begins to wobble and ultimately falls into Sam's ladder. Both men and their ladders crash to the ground. Whose injuries will be covered by Sam's Homeowners policy under Coverage E - Personal Liability?
Only dans injuries would be covered
Which of the following is NOT covered by liability coverage under a HO policy a) a runaway lawnmower b) a snowmobile in a park c) Motorized wheelchair d) a golf cart on a golf course
b) a snowmobile in a park
Which of the following statements is TRUE regarding Coverage F - Medical Payments to Others on the HO policies? a) covers injuries sustained by the insd b) Pays the medical expenses of others withour regard to whether or not the insd was negligent c) does not cover invitees to the insureds home d) Covers injuries sustained by tenants in the insds residence
b) pays the medical expenses of others without regard to whether or not the insd was negligent
