Homeowners Policy (HO)Question 124 of 474
Which of the following claims is EXCLUDED from Section II (Liability) of a homeowners policy?
a.The insured intentionally pushes a neighbor causing injury
b.A friend trips over a garden hose in the front yard
c.A delivery driver is bitten by the insured's dog on the porch
d.A guest slips on a wet floor in the insured's kitchen
Explanation
Section II excludes bodily injury or property damage that is expected or intended by the insured. Intentional acts are not covered, even if the resulting injury is greater than expected. The other examples involve negligence-type incidents that fall within Coverage E and F.
Law Reference: ISO HO form Section II exclusionsThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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