Endorsements & LiabilityQuestion 93 of 158
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?
a.HO-4 provides NO Coverage A dwelling because the tenant does not own the building; it provides Coverages C (contents), D (loss of use), E (liability) and F (medical payments)
b.HO-4 provides Coverage A dwelling at full replacement cost just like an HO-3
c.HO-4 provides Coverage B other structures but no Coverage C
d.HO-4 provides only liability coverage and no property coverage at all
Explanation
HO-4 is the renters/tenants form. The tenant does not own the dwelling, so there is no Coverage A and no Coverage B. The tenant receives Coverage C for personal property, Coverage D for loss of use/additional living expense, Coverage E personal liability, and Coverage F medical payments to others. HO-6 (condo unit-owners) provides limited Coverage A for interior improvements and the unit-owner's share, plus C, D, E and F.
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Related questions on this topic
- 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?
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- Coverage E personal liability on a homeowners policy responds to which of the following?
- Coverage F medical payments to others on a homeowners policy is BEST described as:
- Which pairing of endorsement to covered loss is CORRECT?
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