Coverage D
Provides coverage for loss of income when an insured rental dwelling is rendered uninhabitable because of a covered loss.
Pair or Set Clause
Applies if an insured has lost one of two matching items. Ex: One of two matching silver candlesticks.
All of the following would be eligible for coverage under the dwelling policy EXCEPT
A. A Dwelling in the course of construction.
B. A duplex with one primary owner.
C. A house that had 5 residential units.
D. A tenant- occupied dwelling.
C. A house that has 5 residential units.
In which of the following situations would off-premises coverage in a broad theft endorsement apply?
A. The insured's jewelry is stolen from her vacation home after she returns home.
B. The insured's vacuum cleaner is stolen from her apartment.
C. The ins
C. The insured's camera is stolen from his vacation home while he is there.
Dwelling coverage forms that would pay replacement cost for the dwelling.
DP-2 and DP-3
Removal coverage that is included in the broad form dwelling policy will cover property temporarily removed from the premises to protect it from damage for how long?
30 days
If an insurer chooses to repair or replace damaged or lost property, it must inform the insured within how many days of receiving proof of loss?
30 days
A basic dwelling policy automatically provides coverage against what?
Fire, lightening and internal explosion.
Dwelling policy Coverage C - Personal Property will cover all of the following EXCEPT
A. Computer software.
B. Canoes.
C. Animals and birds.
D. Hobby aircraft.
C. Animals and birds
Which of the following is true of dwelling policy coverage?
A. Special forms only have special exclusions.
B. Exclusions apply to all three policy forms.
C. Exclusions only apply to broad policy forms.
D. There are no exclusions in basic forms.
B. Exclusions apply to all three policy forms
In a dwelling policy, which of the following is true regarding personal liability coverage?
A. It does not cover medical payments to others.
B. It is included in all dwelling policies.
C. It is the same as in homeowners policies.
D. It must be added as a
D. It must be added as a supplement or written as a separate policy.
If an insurer makes a change to broaden coverage in a dwelling policy while it is in effect, when will the changes apply?
Automatically
Which of the following losses would most likely NOT be covered under Coverage A in the dwelling policy?
A. Theft of a renter's lawnmower used to service the premises.
B. Fire damage to building material on the premises.
C. Outdoor personal property of the
A. Theft of a renter's lawnmower used to service the premises
An insured's house is damaged by a fire and is uninhabitable. As a result, the insured has to rent an apartment until repairs are made. A dwelling insurance policy will pay for the expense of renting the apartment. Which type of broad or special form cove
Coverage E - Additional Living Expense
Which of the following losses would NOT be covered by the dwelling policy if the dwelling is vacant for over 60 days?
A. Internal explosion
B. Vandalism
C. Fire
D. Windstorm
B. Vandalism
Dwelling coverage includes all of the following EXCEPT
A. Land on which the dwelling is located.
B. The dwelling used principally for residential purposes.
C. Materials on the described location used to alter or repair the dwelling.
D. Building and outdoo
A. Land on which the dwelling is located.
All of the following are characteristics of the dwelling policy EXCEPT
A. Incidental occupancy of limited service-type exposure is permitted.
B. Dwellings up to four family units are eligible.
C. The dwelling must be owner-occupied.
D. Coverage includes t
C. The dwelling must be owner-occupied
A house insured under a dwelling policy has been vacant for 70 consecutive days. Which of the following statements is true?
A. Loss by vandalism and malicious mischief is excluded.
B. Glass breakage as a result of vandalism is covered.
C. Damage to glass
A. Loss by vandalism and malicious mischief is excluded.
Which of the following dwelling policy forms primarily insures a structure on an actual cash value basis?
A. DP-1
B. DP-2
C. DP-3
D. All DP forms
A. DP-1
How much is the premium for the dwelling under construction endorsement under the dwelling policy?
The average amount of insurance during construction.
In a dwelling policy, which of the following provides coverage for additional living expenses incurred by an owner-occupant in the event a covered peril makes the premises uninhabitable due to a covered loss?
A. Coverage C
B. Coverage E
C. Coverage A
D. C
B. Coverage E
In a dwelling policy, which of the following other structures would be covered?
A. Used by the insured in which to operate a retail business.
B. Used by the insured to house a manufacturing operation.
C. Rented to a neighbor for use as a private garage.
D
C. Rented to a neighbor for use as a private garage.
Assuming the insurer and the insured agree to the amount payable for a loss covered under a dwelling policy, how soon after the insurer has received proof of loss must it make a payment?
60 days
An insured has a special form dwelling policy written for $100,000 on a dwelling. The dwelling's replacement cost is $115,000. Fire causes $75,000 in damage to the dwelling, $15,000 damage to a separate garage, and kills 10 trees valued at $600 each. How
$5,000
If an insured is in the process of moving to a new location, his personal property coverage under the dwelling policy will apply on a pro rata basis at both locations for.....
30 days
Which of the following kinds of property would be covered under a dwelling policy?
A. Aircraft
B. Pontoon Boats
C. Rowboats
D. Motor vehicles
C. Rowboats
Under the dwelling policy form, what is the maximum time limit during which multiple volcanic activities would be part of one occurrence?
72 hours
Which of the following property coverages would provide protection to contents damaged by fire?
A. Coverage D
B. Coverage A
C. Coverage B
D. Coverage C
D. Coverage C