Póliza de Propietarios (HO)Pregunta 329 de 531
Under most Homeowners forms, certain categories of personal property such as jewelry, cash, and firearms are subject to:
a.The full Coverage C limit with no internal cap
b.Special sublimits that cap the amount payable
c.No coverage at all unless they are scheduled
d.Replacement cost settlement with no dollar cap
Explicación
Homeowners policies apply special limits (sublimits) to certain high-theft or high-value property categories such as cash, jewelry, watches, furs, firearms, and silverware. These items are covered, but only up to a stated dollar cap that is lower than the overall Coverage C limit. Insureds who need more can schedule the items on a Personal Articles/Scheduled Property endorsement for broader, itemized coverage.
Practica las 531 preguntas gratis — sin registro.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Preguntas relacionadas de este tema
- Under a standard Homeowners policy, which coverage pays for injuries to a guest for which the insured is legally liable?
- A renter who wants to insure personal belongings and obtain personal liability coverage, but not the building, should buy:
- Coverage F (Medical Payments to Others) on a Homeowners policy pays for medical expenses of a guest:
- On a standard HO-3, the personal property of the insured is insured against:
- An insured moving from an HO-3 to an HO-5 gains coverage because the HO-5:
- A 90-year-old house has a market value of $150,000, while rebuilding it with its original plaster and millwork would cost $480,000. The suitable form is:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Property & Casualty Insurance License Exam · Cómo revisamos