Póliza de Propietarios (HO)Pregunta 334 de 531
A burglar takes a $3,000 coin collection from a home insured on an unendorsed HO-5 with $90,000 of Coverage C. The policy pays:
a.$2,500, the firearms theft limit
b.$200, the special limit for coins
c.$1,500, the theft limit for valuables
d.$3,000, since the form is open perils
Explicación
Open perils widens the causes of loss the form will pay for, but it does not lift the special limits sitting inside Coverage C. Money, bank notes, bullion and coins share a $200 limit on the standard unendorsed form, so a $3,000 collection produces $200. The $1,500 figure belongs to theft of jewelry, watches and furs, and $2,500 is the firearms cap; paying the full $3,000 ignores the special limit.
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