Dwelling Policy (DP)Question 323 of 531
A fire in a rented house destroys the tenant's furniture. The landlord's dwelling policy pays:
a.half of it, as property of others
b.for it, and recovers from the tenant
c.for it under the landlord's contents limit
d.nothing for it; the tenant insures it
Explanation
A landlord's dwelling policy insures the landlord's building and the landlord's own personal property kept at the location, such as appliances and furnishings supplied with the house, while the tenant's belongings are the tenant's to insure. The contents limit on that policy belongs to the landlord. An insurer cannot create coverage by paying and then pursuing the tenant.
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