Homeowners Policy (HO)Question 360 of 474
Compared with an owner-occupied homeowners form, the Section II liability coverage in a tenant HO-4 or a unit-owner HO-6 policy is:
a.capped at half the Coverage C amount
b.absent, being the landlord's obligation
c.the same, and it applies away from home
d.narrowed to the rented or owned unit only
Explanation
Section II is written the same way in the tenant and unit-owner forms as in the owner-occupied forms: Coverage E personal liability and Coverage F medical payments follow the insured's personal activities rather than sticking to the premises. The answer handing the liability duty to the landlord confuses building property coverage with personal liability.
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