Endorsements & LiabilityQuestion 89 of 158
Which of the following losses would be covered ONLY after a Personal Injury endorsement is added to a homeowners policy?
a.A guest slips on icy steps and breaks an arm
b.The insured's child accidentally breaks a neighbor's window with a baseball
c.Wind blows shingles off the roof during a storm
d.The insured is sued for libel after posting a false accusation on social media
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.
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