Hợp đồng chủ nhà (HO)Câu 336 / 531
When a homeowners policy pays a loss under Coverage B, the effect on Coverage A is that the dwelling limit:
a.is restored only if more premium is paid
b.drops by 10% for the rest of the policy term
c.stays intact, as Coverage B is a separate limit
d.is reduced by the amount paid on the structure
Giải thích
The 10% shown for other structures is its own limit of liability, so paying a detached garage claim leaves the full Coverage A available for the house. The answer that subtracts the payment from the dwelling limit describes how a sublimit carved out of a single limit would behave, which is not how this coverage is written. No extra premium is needed to keep the dwelling limit whole.
Luyện miễn phí toàn bộ 531 câu hỏi — không cần đăng ký.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Câu hỏi liên quan cùng chủ đề
- The built-in Coverage A on a standard HO-6 is meant to insure:
- 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:
- Coverage A is $250,000. One fire destroys a detached garage costing $19,000 to rebuild and a shed costing $8,000. Coverage B on an unendorsed form pays:
- A weekend guest's suitcase and camera are destroyed by a fire at the insured's home. Under Coverage C, that property is:
- A pedigree dog worth $2,500 dies in a fire that is otherwise a covered loss. Under Coverage C the policy pays:
- Two policies each carry $60,000 of Coverage C: one is a tenants HO-4 and the other a unit-owners HO-6. Their loss of use limits are:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Property & Casualty Insurance License Exam · Quy trình kiểm tra