Endorsements & LiabilityQuestion 101 of 158
The insured's dog bites a jogger in a public park three blocks from the home. Assuming no policy exclusion for the specific breed and no prior bite history, how does the standard HO Coverage E generally respond?
a.It does not respond because the bite occurred off the residence premises
b.It responds only after the insured's health insurance has paid
c.It pays only the dog owner's veterinary bills
d.Coverage E generally responds because personal liability follows the insured off-premises for bodily injury arising from an insured's activities, subject to policy exclusions
Explanation
Personal Coverage E is not limited to the residence premises. It pays for bodily injury or property damage anywhere in the world (with some exclusions) for which the insured is legally liable. Dog bites are bodily injury and typically covered, unless the policy contains a specific breed exclusion or a prior-bite exclusion. Health insurance coordination is not a precondition, and veterinary bills for the insured's own pet are property to the insured, not third-party liability.
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