Dwelling PolicyQuestion 75 of 158
A landlord insured under a DP-3 is sued by a tenant who slipped on a broken porch step. What does the base DP-3 pay toward the landlord's liability defense?
a.Up to the Coverage A limit of the dwelling
b.Nothing — the DP has no liability coverage in its base form
c.Up to $300,000 standard personal liability under Coverage L
d.Twenty percent of Coverage A for liability defense
Explanation
The Dwelling Policy is a property-only contract; there is NO Section II coverage (no personal liability, no medical payments) in the base DP-3 or any other DP form. A landlord must add the Personal Liability Supplement endorsement or carry a separate liability or umbrella policy to be protected against a slip-and-fall suit. Coverage A insures the building, not lawsuits, and there is no automatic $300,000 liability limit on a DP.
Law Reference: ISO Dwelling Property forms — Section II absentPractice all 158 questions free — no signup required.
Related questions on this topic
- Which ISO Dwelling Property form provides open-perils (special form) coverage on the dwelling structure but continues to insure personal property on a named-perils basis?
- By default, on what valuation basis does the DP-1 Basic Form settle a partial loss to the dwelling?
- A landlord's tenant must move out for three months while fire damage to the rented house is repaired. Which DP coverage reimburses the landlord for the rent the tenant would have paid?
- A landlord's DP-3 rental house has been vacant for 75 consecutive days while between tenants. Vandals break in and spray-paint the interior. How does the policy respond?
- A DP-3 dwelling has a replacement cost of $500,000. The landlord carries $300,000 of insurance and suffers a $60,000 partial loss with a $1,000 deductible. Using the coinsurance proportionate formula, what is the insurer's payment?
- Under a DP-3 written with $400,000 Coverage A, what is the automatic limit available for Coverage B (Other Structures) such as a detached garage?
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