Property Insurance FundamentalsQuestion 198 of 215
Which group of perils is typically EXCLUDED from a standard property policy on the basic, broad, and special forms unless special endorsements or separate policies are purchased?
a.Earth movement (such as earthquake), flood, war, nuclear hazard, and intentional acts of the insured
b.Fire, lightning, and smoke
c.Vandalism, riot, and civil commotion
d.Sprinkler leakage and windstorm
Explanation
Standard property forms exclude earth movement (including earthquake), flood, war, nuclear hazard, intentional acts of the insured, wear and tear, and ordinance or law. Earthquake and flood normally require separate policies (such as a CEA earthquake policy or NFIP flood policy). Fire, lightning, smoke, vandalism, riot, sprinkler leakage, and windstorm are covered perils.
Law Reference: Standard exclusions: earth movement, war, nuclear, intentional actsPractice all 215 questions free — no signup required.
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