Homeowners Policy (HO)Câu 360 / 474
Compared with an owner-occupied homeowners form, the Section II liability coverage in a tenant HO-4 or a unit-owner HO-6 policy is:
a.capped at half the Coverage C amount
b.absent, being the landlord's obligation
c.the same, and it applies away from home
d.narrowed to the rented or owned unit only
Giải thích
Section II is written the same way in the tenant and unit-owner forms as in the owner-occupied forms: Coverage E personal liability and Coverage F medical payments follow the insured's personal activities rather than sticking to the premises. The answer handing the liability duty to the landlord confuses building property coverage with personal liability.
Luyện miễn phí toàn bộ 474 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- An insured who repairs computers for pay in the garage is sued by a customer whose machine caught fire and burned her desk. Section II of the homeowners policy:
- A licensed architect works from home and is sued for a design error on a client's building. Under Section II of the homeowners policy, the claim is:
- Which of these Section II claims is excluded on a standard homeowners policy?
- During an argument the insured deliberately punches a neighbor and breaks his jaw, and the neighbor sues. Section II will:
- The insured's 9-year-old son breaks a neighbor's $1,400 laptop while playing, and nobody claims the boy was negligent. The homeowners policy pays:
- A guest is injured at the insured's home and hires a lawyer. Under the Section II duties after a loss, the insured must:
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