Dwelling Policy (DP)Pregunta 279 de 474
A visitor slips on the steps of a rented dwelling and sues the owner. An unendorsed dwelling policy:
a.Pays nothing, because it insures property only
b.Pays the claim only if the owner lives in the home
c.Defends the owner under its liability insuring clause
d.Pays the visitor's medical bills on a no-fault basis
Explicación
A dwelling policy is a first-party property contract with no liability section, so a bodily injury suit against the owner falls outside it until a personal liability endorsement is attached. No-fault medical payments to others and a duty to defend are Section II features of a homeowners policy or of that endorsement, not of the bare dwelling form.
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