Dwelling Policy (DP)Question 280 of 474
A tenant renting a house may use a dwelling policy to insure:
a.The landlord's building at its full replacement cost
b.Household goods and improvements the tenant installed
c.The rent the landlord loses after a covered fire
d.The tenant's liability to guests injured in the house
Explanation
A tenant can be the named insured on a dwelling policy for personal property, and the contents coverage also picks up improvements, alterations, and additions the tenant made to the rented premises. The tenant has no insurable interest in the landlord's building limit or rental income, and liability is not part of the property form.
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Related questions on this topic
- 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:
- A visitor slips on the steps of a rented dwelling and sues the owner. An unendorsed dwelling policy:
- A landlord insuring a rented house wants the building, the appliances she supplies, and her rental income protected. She needs:
- A dwelling in which the owner runs a small insurance office is:
- A dwelling policy is written on a house that is still being built. Under the standard forms, that building is:
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