Under Section II liability in a Homeowners policy a 30 foot boat would?
Automatically covered out of the water and covered in the water if the insured purchased the watercraft endorsement
Which of the following would not be included in coverage A dwelling in a dwelling policy
A toolshed on premises the insured uses to keep a lawnmower
The business pursuits endorsement adds what kind of coverage
liability only
Which of the following statements is true when comparing an HO-2 to an HO-3
ho2 provides named peril coverage on the building and ho3 gives open peril coverage on the building
Which of the following is not an exclusion found in the property section of an HO-3 policy
Damage done by a raccoon
The renter in an apartment with by which homeowners policy
ho-4
Which of the following would not be covered under an HO-2
Your five-year-old spray paints the walls
Someone owns a duplex and rents it out, which of the following policies would they buy
dwelling policy
Which of the following losses would be covered under a homeowners policy
vandalism to a house that has been vacant for 20 consecutive days
Which would NOT be covered under Section II Liability in a Homeowners policy?
Bodily injury to a family member who resides in the household
If a husband and wife are insured under a homeowners policy and one of the spouse moves out, how long would they be automatically covered?
90 days
The owner of a condominium would buy which homeowners policy
ho-6
A house has a replacement cost value of $150,000 what is the minimum amount of coverage A Dwelling that would need to be purchased in order to have a claim paid on a replacement cost basis
120,000
Which of the following is covered under an unendorsed DP-3 policy
Theft of the front door
Which of the following would not be covered under a scheduled personal property endorsement
money
What liability endorsement would be purchased for a dwelling policy if it was owner occupied?
the personal liability endorsement
Which of the following is not excluded under Section II liability in a homeowners policy
Someone injured by a 15 foot motorboat stored in your garage
Which of the following is not excluded under an HO-3
your 5 year old spray paints the walls
What endorsement provides specific limits for listed property
personal property endorsement
Coverage F medical payments to others in a homeowner's policy will not pay for which of the following
pain and suffering
The limited theft endorsement found in a dwelling policy covers which of the following
Theft of the insured property on the premises only
Which of the following best describes the definition of a "name insured" in a homeowner's policy
the person named on the declaration
Under Section II liability in a Homeowners policy which of the following would be an insured location?
any premises where the insured is temporarily residing
What is the minimum form of dwelling policy necessary to cover the peril of falling objects
dp-2
Fire, lightning and removal plus extended coverages describes which dwelling policy
dp-1
Under a DP-2 policy which of the following water losses would not be covered
flood
How are the coverages provided on an HO-3 for coverages A, B and C
Open peril for A and B with named peril for C
Which of the following is an " Insured Location" under a homeowners policy
cemetery plot
Which of the following perils would be covered on a DP-2 and not on a DP-1
weight of ice, snow, and sleet
Which provision in the homeowners policy allows the insurer to void the policy
concealment or fraud
Under the Pair and Set loss provision how would a loss be paid?
Value of the set before the loss minus the value of the set after the loss at ACV
What is the limit for coverage L personal liability in a DP policy
100,000 per occurrence
Which of the following does not require legal liability in order to be paid
medical payments
Which of the following would not be covered under Coverage D Loss of Use
ordinance or law
Which of the following is an endorsement that can be purchased for a homeowner's policy
earthquake
Which of the following meets the definition of business under a homeowners policy
trade, profession, or occupation engaged in either a full-time or part-time basis
The claims defense coverage found in the liability section of a homeowner's policy does not pay for which of the following
attorney fee's for the injured party
Which endorsement would cover theft of personal property on the premises only on a dwelling policy
limited theft
The personal injury endorsement does not cover which of the following
medical payments
Under a homeowners policy Coverage C is what percent of Coverage A
50%
Under a homeowners policy which of the following is covered under additional coverages?
grave markers
Coverage E Personal Liability found in a homeowner's policy would cover all of the following except
loss of use of the insured's property
Which of the following would not be covered under the additional coverage of credit cards and fund transfer cards found in a homeowner's policy
theft of your credit card done by a family member
How does the unendorsed homeowners policy pay for losses to personal property
actual cash value
Which of the following would NOT be covered under Section II liability in a homeowners policy?
injury arising from the rental of property
Which of the following is not a condition found in a homeowner's policy
credit card and fund transfer
Coverage B Other Structures would include which of the following
A detached garage connected by a fence