Homeowners InsuranceQuestion 156 of 215
An insured's college-age son living away at school has personal property stolen from his dorm room. Under the standard HO-3, how is this covered?
a.Not covered because the property is off the residence premises
b.Covered up to a percentage of Coverage C (commonly 10%) because the student qualifies as an insured residing temporarily off-premises
c.Covered only up to the Coverage F medical payments limit
d.Covered only if a scheduled personal property endorsement was added
Explanation
A full-time student who is a resident relative of the insured and whose absence from the household is temporary qualifies as an insured under the homeowners definition of insured. The student's personal property at school is covered, generally up to 10% of Coverage C or $1,000, whichever is greater (limits vary by edition). All standard exclusions and Coverage C sublimits still apply.
Law Reference: ISO Homeowners — Off-premises personal propertyPractice all 215 questions free — no signup required.
Related questions on this topic
- What is the purpose of an inflation guard endorsement on a homeowners policy?
- An insured's condominium association sustains a covered fire loss to the common-area roof. Damage exceeds the association's master policy limit by $15,000, and each unit owner is assessed a share. Which HO-6 feature responds to the insured's share of that assessment?
- Which of the following claims would be EXCLUDED under Section II Coverage E of a standard HO-3?
- Within how many days after the insured submits a sworn proof of loss does the standard fire policy (incorporated into California residential property policies) generally require the insurer to pay an undisputed loss?
- While an insured's HO-3 home is being constructed (not yet occupied), building materials stored on site are stolen. How does the standard HO-3 typically respond?
- Which of the following Section I losses is COVERED on an unendorsed HO-3?
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