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25 Cards in this Set
- Front
- Back
Structures on the premises separated by clear space from the dwelling are covered under which part of the Homeowners Policy? |
Coverage B
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Which statement is false concerning a Homeowners Policy? |
The HO-4 covers the dwelling for the Broad Form (named) Perils
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With the Water Back Up endorsement, what is the maximum coverage the insured will have for direct physical loss to property due to water backing up through the drains? |
$5,000
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Section II of the Homeowners Policy will not pay for which of the following claims? |
Medical expense of a boarder who is injured in one of the insured's bedrooms that he rents |
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Which of the following is not covered under Coverage A of the Homeowners Policy? |
The land on which the dwelling is located
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At what age is an unrelated resident of the named insured no longer an 'insured'? |
21, if in the care of the named insured or a resident relative
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The HO-5 personal property Coverages are insured on a(n) __________ basis. |
Open Peril |
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Which of the following is eligible to receive medical payments under Section II of a Homeowners Policy? |
A residence employee
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Coverage for injury resulting from invasion of privacy is covered under which Endorsement? |
Personal Injury Endorsement |
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Choose the Form designed for the unit-owner of a condominium. |
HO-6
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Which of the following is not excluded under Coverages E and F? |
Bodily injury arising out of the normal use of prescription drugs
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Which statement is false about a Homeowners Policy? |
It has a $500 limit for trailers not used with watercraft
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Which claim involving tree damage is not covered under the Homeowners Policy? |
A severe windstorm blew a tree down
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Which of the following claims is covered by the First Aid Expenses under the Homeowners Policy? |
A neighbor who gets injured while helping the insured install a carpet
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Choose the false statement about the Homeowners Policy. |
Coverage C extends to animals, birds, or fish owned by the insured |
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Choose the false statement about Coverage F in a Homeowners Policy. |
Under Coverage F, payments apply to necessary medical expenses incurred within a maximum of one year
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All of the following are covered under a Homeowners Policy, except: |
All living expenses that occurred elsewhere after a covered loss |
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The Personal Injury Endorsement would cover a(n): |
Liability arising from oral or written publication of material that violates a person's right of privacy |
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An employee whose duties are related to the maintenance of the residence premises, is defined as which of the following under Section II of the Homeowners Policy? |
Residence Employee
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Which of the following would be covered under the Damage to Property of Others additional coverage of the Homeowners Policy? |
Damage caused intentionally by the insured's 10-year-old son
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Choose the false statement regarding Section II of a Homeowners Policy. |
If the named insured or the spouse dies, coverage does not continue for the legal representatives |
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Which statement is false concerning Section II of a Homeowners Policy? |
It provides no defense in event of groundless, false or fraudulent claim
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All of the following are true of the HO-2, except: |
The HO-2 pays for losses on an open peril basis
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Choose the answer that is true regarding the Homeowner HO-4 and HO-6 Forms. |
The HO-4 is used to insure the personal property and personal liability of the insured, but does not include the structure itself
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The HO-8 form settles losses to the building on what valuation method? |
Functional replacement value
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