Homeowners Policy (HO)Question 338 of 531
A pedigree dog worth $2,500 dies in a fire that is otherwise a covered loss. Under Coverage C the policy pays:
a.nothing; animals are property not covered
b.$500, treating the dog as a single item
c.$1,500, the special limit for live animals
d.$2,500, the animal's provable market value
Explanation
Coverage C lists classes of property it does not cover at all, and animals, birds and fish are on that list, so no amount is payable for the dog however the loss happened. The answers quoting $1,500 or $500 invent a sublimit for property the form simply excludes. Paying market value would need a specialty animal policy, not the homeowners contents coverage.
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