Póliza de Propietarios (HO)Pregunta 331 de 531
An insured moving from an HO-3 to an HO-5 gains coverage because the HO-5:
a.doubles the Coverage C limit to 100% of Coverage A
b.removes the special limits on jewelry and firearms
c.adds flood and earth movement to the perils covered
d.insures personal property on an open-perils basis
Explicación
Both forms insure the dwelling on an open-perils basis; the upgrade is that personal property becomes open perils too, so the insurer must point to an exclusion to deny a contents claim. The answer that adds flood and earth movement fails because those stay excluded on every homeowners form. The special limits on jewelry and firearms also survive the upgrade, and only scheduling lifts them.
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