Homeowners Policy (HO)Question 345 of 474
Debris removal under a standard homeowners policy pays the cost of:
a.demolishing an undamaged structure the insured dislikes
b.removing debris of covered property after a covered loss
c.removing household trash on a scheduled weekly basis
d.clearing a neighbor's lot of debris blown from the home
Explanation
Debris removal pays the reasonable expense of removing the debris of covered property when a covered peril causes the loss, and that expense is included in the limit applying to the damaged property. Routine trash collection and voluntary demolition of an undamaged building are maintenance decisions, not losses. The coverage follows the insured's own covered property.
This 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 →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- An insured moves furniture out of the house to protect it from an approaching covered peril. Under the property removed additional coverage, the removed property is insured against:
- How does a Section I additional coverage differ from the limits shown for Coverage A through Coverage D?
- After a covered storm the insured pays a contractor to tarp the roof so rain cannot enter. Which additional coverage responds to that cost?
- The collapse additional coverage on a standard homeowners form applies when a building collapses from:
- On a standard homeowners policy, the minimum limit normally written for Coverage E personal liability is:
- An insured with a $100,000 Coverage E limit is held liable for $100,000 of damages, and the insurer spends $30,000 defending the suit. The insurer's total outlay is:
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review