A dwelling policy owner wants protection against a claim brought by a visitor injured on her steps. She obtains it by:
Explanation
The dwelling forms are property forms with no liability section, so personal liability and medical payments to others must be endorsed onto the policy before a visitor's injury claim can be paid. Coverage E on a dwelling policy is additional living expense rather than liability, so raising it does nothing for this claim. Vandalism and extended coverage add property perils only.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- A rented dwelling is unlivable for three months after a covered fire. The rent was $1,800 a month, and $200 a month of expenses stop while it is empty. Fair rental value pays:
- A family normally spends $2,400 a month on housing and food. Living elsewhere after a covered fire, they spend $3,900 a month. Additional living expense pays them:
- Fire damages a dwelling insured on a basic form. Rebuilding the damaged portion costs $60,000, depreciation on it is $18,000, and the deductible is $1,000. The insurer pays:
- A dwelling costing $250,000 to replace is insured on a broad form for $150,000, under a loss settlement condition asking for 80%. A $40,000 building loss is settled at:
- Unlike a homeowners policy, a dwelling policy lets the applicant:
- A fire in a rented house destroys the tenant's furniture. The landlord's dwelling policy pays:
Last reviewed: · editorial process