Póliza de Vivienda (DP)Pregunta 296 de 531
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:
a.a homeowners policy may not insure a one-family house
b.rented dwellings can be insured only at market value
c.the homeowners program excludes fire at a rented home
d.homeowners forms require the insured to live there
Explicación
Homeowners forms are eligible only while the named insured occupies the dwelling as a residence, so once the owner moves out and rents the house to others the risk belongs in the dwelling program. The notion that a homeowners policy cannot insure a one-family house is backwards, since that is the risk it was built for. Renting does not limit recovery to market value either.
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