Póliza de Vivienda (DP)Pregunta 295 de 531
A landlord who rents out a house wants to insure the loss of rent if the home becomes uninhabitable after a covered fire. This need is met by:
a.Coverage C – Personal Property
b.Coverage E – Additional Living Expense
c.Coverage D – Fair Rental Value
d.Coverage B – Other Structures
Explicación
Fair Rental Value (Coverage D) reimburses a landlord for lost rental income when a covered peril makes the rented dwelling unfit to live in, limited to the time reasonably required to repair. Additional Living Expense (Coverage E) instead pays the extra costs an owner-occupant incurs to maintain a normal standard of living elsewhere. The two coverages address different insureds: a landlord versus a resident owner.
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Preguntas relacionadas de este tema
- A key difference between a Dwelling policy and a Homeowners policy is that the Dwelling policy:
- Which Dwelling policy form provides the broadest coverage by insuring the dwelling on an open-perils basis?
- Under a Dwelling policy, coverage for the physical house structure is provided under:
- A homeowner moves out of her house, rents it to a family, and asks to keep her homeowners policy on it. Her producer must move the risk to a dwelling policy because:
- Which of these buildings could NOT be insured under a dwelling policy?
- A builder needs coverage on a house he is putting up, including the lumber and fixtures stored on the site. The usual answer is:
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