Dwelling Policy (DP)Question 279 of 474
A visitor slips on the steps of a rented dwelling and sues the owner. An unendorsed dwelling policy:
a.Pays nothing, because it insures property only
b.Pays the claim only if the owner lives in the home
c.Defends the owner under its liability insuring clause
d.Pays the visitor's medical bills on a no-fault basis
Explanation
A dwelling policy is a first-party property contract with no liability section, so a bodily injury suit against the owner falls outside it until a personal liability endorsement is attached. No-fault medical payments to others and a duty to defend are Section II features of a homeowners policy or of that endorsement, not of the bare dwelling form.
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Related questions on this topic
- A dwelling costs $300,000 to replace and is insured on a special form for $180,000 under an 80% loss-settlement condition. A partial building loss is settled:
- Why is theft of the insured's property not paid under an unendorsed dwelling policy?
- Burglars force a door on a dwelling insured on an unendorsed broad form and carry off a television. The policy pays for:
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- A dwelling in which the owner runs a small insurance office is:
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