Dwelling Policy (DP)Pregunta 278 de 474
Burglars force a door on a dwelling insured on an unendorsed broad form and carry off a television. The policy pays for:
a.Neither loss, because burglars are excluded entirely
b.The damage done to the door, but not the television
c.The television, but not the damage done to the door
d.Both the broken door and the stolen television set
Explicación
The broad form lists damage caused by burglars as an insured peril, so the shattered door is a building loss, but the stolen property itself is theft, which the form does not insure without an endorsement. The answer paying both treats the burglary peril as if it were theft coverage, and damage by burglars is plainly not excluded.
Practica las 474 preguntas gratis — sin registro.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Preguntas relacionadas de este tema
- The broad and special dwelling forms differ from the basic form in that they settle:
- A dwelling costs $300,000 to replace and is insured on a special form for $180,000 under an 80% loss-settlement condition. A partial building loss is settled:
- Why is theft of the insured's property not paid under an unendorsed dwelling policy?
- A visitor slips on the steps of a rented dwelling and sues the owner. An unendorsed dwelling policy:
- A tenant renting a house may use a dwelling policy to insure:
- A landlord insuring a rented house wants the building, the appliances she supplies, and her rental income protected. She needs:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Personal Lines Insurance License Exam · Cómo revisamos