Endorsements & Optional CoveragesQuestion 89 of 474
Which of the following losses would be covered ONLY after a Personal Injury endorsement is added to a homeowners policy?
a.Wind blows shingles off the roof during a storm
b.A guest slips on icy steps and breaks an arm
c.The insured is sued for libel after posting a false accusation on social media
d.The insured's child accidentally breaks a neighbor's window with a baseball
Explanation
The standard HO Coverage E covers bodily injury and property damage but does NOT cover personal injury offenses such as libel, slander, false arrest, invasion of privacy, or wrongful eviction. A Personal Injury endorsement is needed to extend liability to those offenses. The slip-and-fall and broken window are bodily injury/property damage already covered under Coverage E.
Law Reference: ISO HO 24 82 Personal Injury endorsementThis 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
- A homeowner buys a $1,000,000 Personal Umbrella Policy (PUP). Which feature most accurately describes how the PUP responds to a covered liability loss?
- An insured with an HO-3 policy adds a Scheduled Personal Property endorsement for her jewelry collection. Which statement BEST describes the coverage provided for the scheduled jewelry?
- A heavy rainstorm causes the municipal sewer to back up through floor drains, flooding the insured's finished basement. Under a standard HO-3 without endorsements, what is the likely coverage outcome?
- A California homeowner wants earthquake coverage. Which statement is MOST accurate about earthquake insurance in California?
- Which statement about residential flood insurance is correct?
- Tenant Rachel buys an HO-4 renters policy. Which coverage is provided by the HO-4 that DIFFERS from what an HO-3 owner would receive?
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review