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HO-3是标准的自住表单。对住宅及其他建筑物采用开放风险，对个人财产采用列明风险，对大多数房主而言兼顾了价格与保障。

HO-5为综合表单，将HO-3升级为对个人财产也采用开放风险方式承保，是可获得的最全面的标准房主保障。

HO-4为租户表单。完全不含住宅保障，而是为不拥有建筑物的人提供C项（个人财产）及第二节责任（E、F项）保障。

HO-8为修订表单，用于重置成本远高于市场价值的老房或历史建筑；住宅损失按实际现金价值或功能性重置而非完全重置成本结算。

B项设为A项的10%，作为附加保险。承保独立结构如棚屋、围栏或独立车库，并且不会减少A项可用额度。

自住表单的C项标准为A项的50%。被保险人可上下调整该百分比；租户或共管公寓保单因无A项，自行设定C项限额。

D项为使用损失保障。当承保的第一节损失使住所不宜居住时，支付额外生活费用、公平租金价值及有限的民事当局利益。仅赔偿超过家庭正常生活费的增加部分。

E项标准最低限额为每次事故10万美元。常被上调至30万或50万美元，并可加保个人伞式责任险以应对更高的责任风险。

第10102条要求保险公司在投保申请之前或与申请同时提供住宅财产保险披露文件，字号不得小于10磅，并须取得申请人签署的收讫确认。该表格解释实际现金价值、重置成本、扩展重置成本、保证重置成本以及建筑规范升级保障；提醒被保险人可能投保不足，且重置成本并非市场价值；说明地震、洪水与山体滑坡属于除外责任；并提供加州保险局的联系方式。该披露还须每隔一年在续保时重新交付。(a)错误，因为这是申请阶段的文件，而非签发后的邮寄件；(b)错误，因为该文件是每一位住宅投保申请人都应获得的，而不仅限于主动索取者；(d)错误，因为首次交付发生在保单成立之前而非之后。

开放风险颠倒了举证推定。所有直接物质损失均受保，除非保单明确除外，因此由保险公司举证适用某项除外。这就是HO-3和HO-5的保障比HO-2更广的原因。

加州保险法典§10081及以下条款要求承保住宅财产的保险公司，强制以书面方式提供地震保障。被保险人可书面接受或拒绝，且至少须在每隔一次续保时重新提供。

第2060(b)(1)条规定，若损失与紧急状态有关，额外生活费用的保障期间自损失发生之日起不得少于24个月。若被保险人因自身无法控制的情形（例如许可证延误、材料短缺或承包商无法到位）而重建受阻，保险公司还须再给予最长12个月的延长，合计36个月；有正当理由的，可再延长六个月。(a)引用的是第2060条针对民政当局命令致使无法进入住所的损失所设的两周最低期间，属于不同款项、不同情形；(c)所称的十二个月下限并不存在于法条之中；(d)错误，因为第2060条设定的是保单声明页不得低于的法定最低标准。

CIC §675.1规定，在州长宣布野火或其他灾害紧急状态后的一年内，禁止不续保或取消，前提是被保险人未实施欺诈并继续缴付保费。保护范围涵盖受灾区域内的住宅财产。

洪水，包括地表水及溪流或河流的泛滥，在所有标准房主表单下均被除外。洪水须由国家洪水保险计划（NFIP）或私营洪水承保人单独承保。

地动，包括地震，是标准除外。只有当被保险人在房主保单上加保地震批单，或单独购买加州地震局（CEA）或私营地震保单时，才有承保。

住宅重置成本适用80%足额投保要求。若损失发生时住宅至少按完整重置成本的80%投保，保险公司按重置成本赔付直至限额；低于80%时，赔付实际现金价值与共保惩罚计算中的较大者。

第676条规定，第675条所述保单生效满60天后——若为续保则立即适用——除非解约理由是在保单生效日之后发生、且属于该条封闭列举的情形，否则解约通知不生效力。这些情形包括：未缴保费；被指定被保险人被判处以增加所保危险的行为为构成要件之一的犯罪；发现其在投保或索赔过程中存在欺诈或重大不实陈述；发现其存在实质上增加所保危险的重大过失作为或不作为；或所保财产发生使其不可承保的实体变化。(a)描述的是保险公司仅在前60天内享有的自由，而这正是第676条此后所收回的；(b)虚构了法条中并不存在的同意要求；(d)则不成立，因为核保偏好不匹配并非生效后发生的实体变化。

标准抵押权条款要求至少提前10天书面通知抵押权人取消保单。该条款还保护抵押权人的利益，即便被保险人的行为或疏忽本会使保障无效；作为对等条件，抵押权人须在被要求时缴付保费，并在被保险人不提供时提供损失证明。

珠宝、手表与皮草盗窃的标准特别限额为1,500美元。要为高于该次限额的贵重珠宝投保，被保险人应通过列明个人财产批单将物品列明，该批单去除次限额并将风险扩展为开放风险。

枪支盗窃的标准次限额为2,500美元。银器与金器盗窃同为2,500美元次限额。与珠宝相同，可通过列明个人财产批单单独列明物品以承保更高价值。

损失分摊保障支付因共有财产承保损失而由共管公寓或房主协会征收的分摊中，单元业主应承担的份额，受次限额限制（通常为1,000美元，除非加批提高）。这是HO-6表单的关键特点。

依宽松条款，若保险公司在保单期内对表单扩大保障且未要求额外保费，扩大后的保障自动适用于所有现有保单。该条款保护被保险人不会仅因其保单较早签发而被限于较窄的保障。

第二节将被保险人预期或故意的人身伤害或财产损害除外。故意行为不在承保之列，即便所致伤害大于预期。其他例子属于过失类事件，落入E项和F项的承保范围。

通常位于住所之外的个人财产（如存放在他处或大学宿舍的物品）的标准限额为C项的10%或1,000美元中的较大者。该次限额不适用于新购主要住所内前30天的个人财产。

HO-3和HO-5的标准D项限额为A项的20%。HO-8使用A项的10%；租户（HO-4）和共管公寓（HO-6）表单使用C项的30%，因为这些保单无A项。

The HO-3 (special form) is the most widely purchased Homeowners policy. It insures the dwelling and other structures on an open-perils basis while covering personal property on a named-perils basis. HO-2 covers both on named-perils, HO-4 is the renters form, and HO-8 is a modified form for older homes. The HO-5 comprehensive form extends open-perils coverage to personal property as well.

The HO-4 form is the renters (tenants) policy. It covers the tenant's personal property and provides personal liability and loss-of-use coverage, but not the building, which is the landlord's responsibility. HO-6 is for condominium unit owners who own the interior, and HO-3 and HO-8 are owner-occupied dwelling forms that include structural coverage the renter does not need.

The HO-6 form is designed for condominium unit owners. It covers the unit owner's personal property and the portions of the building the owner is responsible for (typically interior walls, fixtures, and improvements), along with personal liability and loss of use. The condo association's master policy covers the building structure and common areas, so HO-6 fills the gap for the individual unit owner.

Coverage D (Loss of Use) pays additional living expenses, the reasonable extra costs of maintaining a normal standard of living, when a covered loss makes the residence uninhabitable, such as hotel and increased meal costs. Coverage A insures the dwelling structure, while Coverages E and F are the Section II liability coverages. Loss of use addresses the insured's indirect costs, not the physical damage.

Medical Payments to Others (Coverage F) is a no-fault, goodwill coverage that pays reasonable medical expenses for a non-resident injured on the insured premises or by the insured's activities, whether or not the insured is legally liable. It does not cover the insured or regular household residents. Paying small medical claims quickly helps preserve goodwill and can prevent larger liability lawsuits.

Homeowners policies apply special limits (sublimits) to certain high-value or high-theft categories such as jewelry, watches, furs, firearms, cash, and silverware. These items are covered, but only up to a stated dollar cap that is lower than the overall Coverage C limit. To fully protect valuable items, the insured can schedule them on a personal articles (scheduled property) endorsement for broader, itemized coverage.

The HO-8 modified form is designed for older or historic homes where replacing with identical materials would cost far more than the home's market value. It settles losses on a functional replacement or actual cash value basis rather than full replacement cost, keeping the policy affordable and insurable. Renters use HO-4, condo owners use HO-6, and the broadest coverage is the HO-5 comprehensive form.

A Homeowners policy is a package written for an owner who occupies the dwelling as a residence, which is why it can bundle building, contents and liability in one contract. The answer about holding the mortgage confuses the lender's interest with occupancy; a mortgagee is simply named on the declarations and is not the person who must be eligible.

Owner-occupancy is the eligibility test for a Homeowners form, so a pure rental property is written on a Dwelling policy instead, with rental income insured as fair rental value. The insurable-interest answer is wrong because an owner plainly stands to lose money if the rental house burns.

A renter does not own the structure, so the tenants form insures contents and loss of use and carries no dwelling limit; the landlord insures the building separately. The open-perils answer describes the HO-5, since contents on a tenants form are written on the broad list of named perils.

The unit-owners form carries a small built-in Coverage A of $5,000 for building property such as interior fixtures, cabinets and floor coverings that the association's master policy does not insure. That limit is routinely raised by endorsement when the unit has costly built-ins, so the $25,000 answer describes a bought-up limit rather than the standard one.

The comprehensive form applies open perils to the dwelling and to contents, so the insurer must name an exclusion in order to deny either kind of loss. The HO-3 answer is the common trap: it writes the dwelling open perils but leaves contents on the broad list of named perils, and the HO-8 is the modified form for an older home.

The broad form runs both the building and the contents off the same list of named perils, so a loss is paid only if the insured can point to a peril on that list. The answer that puts open perils on the dwelling alone describes the HO-3, and the fire-and-lightning answer describes a much narrower basic form.

The modified form exists for an older home whose replacement cost far exceeds its market value, and it pays the cost to repair or replace using common construction materials and methods rather than reproducing ornate original work. The full-replacement-cost answer describes the dwelling settlement on an HO-3, which is exactly what the modified form is designed to avoid.

Open perils covers direct physical loss unless the cause is excluded, so the insured shows a loss occurred and the burden shifts to the insurer to identify the exclusion it relies on. The answer that makes the insured prove the peril is on a list states the named-perils rule, which is how contents are handled on an HO-3.

Coverage B is provided at 10% of Coverage A, and 10% of $280,000 is $28,000, so the owner absorbs the remaining $6,000 of rebuilding cost. The $34,000 answer assumes other structures are paid up to their full rebuilding cost; the limit is a stated percentage, and it is an additional amount of insurance rather than a slice carved out of Coverage A.

Coverage B picks up structures set apart from the dwelling by clear space, or joined to it only by a fence, utility line or similar connection, so a free-standing garage, a storage shed or an in-ground pool belongs there. The attached-garage answer is wrong because a structure sharing a wall with the house is part of the dwelling and draws on Coverage A.

Coverage B drops a structure that is rented to someone who is not a tenant of the dwelling, and it also drops any structure held for business use; a detached garage rented to a tenant of the home is the narrow exception. The answer paying the full Coverage B limit ignores both the rental and the business use, and the structure is detached, so Coverage A never reaches it.

Personal property is written at 50% of the dwelling limit on the standard form, so 50% of $240,000 gives $120,000 of Coverage C. The $24,000 answer applies the 10% figure that belongs to other structures, and the $240,000 answer would insure contents to the full value of the building.

The 50% figure is the amount built into the form, and a household with heavy furnishings can buy the limit up for extra premium while a sparsely furnished home can have it reduced by endorsement. The answer calling it unchangeable misreads a standard starting point as a hard cap, and the limit is set when the policy is written, not after a loss is reported.

Contents are covered anywhere in the world, but property usually located at a residence of an insured other than the residence premises is capped at the greater of 10% of Coverage C or $1,000. The version built on Coverage A uses the dwelling limit, which is not the base for contents, and the flat answer throws away the greater-of test that protects a large contents limit.

Loss of use has two halves: additional living expense keeps the insured's own household at its normal standard of living, while fair rental value replaces the rent lost on a portion of the premises held for rental, less any expenses that stop. The motel answer describes the additional living expense side, and neither half responds when the underlying peril is excluded.

Coverage D on an owner-occupied form is written at 30% of the dwelling limit, and 30% of $310,000 is $93,000. The $31,000 answer applies the 10% figure that belongs to other structures, and the $155,000 answer applies the 50% contents relationship to the wrong coverage.

A tenant has no dwelling limit to work from, so loss of use on the tenants form is pegged to contents at 30% of Coverage C. The answer using 50% of Coverage C is the unit-owners relationship, and both answers built on Coverage A assume a dwelling limit the tenants form does not carry.

The unit-owners form writes Coverage D at 50% of Coverage C, so 50% of $60,000 gives $30,000 for additional living expense and fair rental value combined. The $18,000 answer applies the 30% relationship used on the tenants form, and $5,000 is the small built-in building-property limit, not a loss of use figure.

Additional living expense reimburses the increase in living costs needed to keep the household at its normal standard, so $2,600 minus $1,700 leaves $900 a month. Paying the whole hotel bill would hand the family the grocery and utility money they were already spending anyway, which is more than indemnity allows.

Weight of ice, snow or sleet sits on the broad list alongside fire, windstorm, explosion, riot, aircraft, vehicles, smoke, vandalism, theft, falling objects, freezing and volcanic eruption. Seepage that continues over a period of time, settling and rust are all maintenance conditions the form treats as the owner's problem rather than sudden accidental losses.

The form withdraws the vandalism peril once the dwelling has stood vacant for more than the stated number of consecutive days immediately before the loss, because an empty house is a far easier target. Whether the police make an arrest has nothing to do with coverage, and a prior claim does not remove a peril from the policy.

Freezing of plumbing, heating or sprinkler systems is excluded while the dwelling is vacant, unoccupied or under construction unless the insured used reasonable care either to maintain heat in the building or to shut off the water supply and drain the system. With the heat deliberately off, draining is the only route left, so notifying the insurer or buying a larger limit changes nothing.

The peril is accidental discharge or overflow of water or steam, and the word that decides these two claims is sudden: a line that lets go without warning qualifies, while constant or repeated seepage over a period of time is treated as a maintenance failure and excluded. Reading both as covered water damage ignores the sudden-and-accidental requirement built into the peril.

The earth movement exclusion sweeps in earthquake, landslide, mudflow, sinkhole collapse and the settling or shifting of the ground, which is why quake coverage has to be bought back separately. Calling it a water damage loss picks the wrong exclusion, and the falling-object peril is about something striking the building from outside, not the ground moving beneath it.

The water damage exclusion covers three ideas at once: flood and surface water, water below the surface of the ground, and water that backs up through sewers or drains, so the unendorsed policy pays nothing here. A water back-up endorsement can be added for a stated limit, which is why treating the loss as permanently uninsurable is wrong.

Section I excludes the increased cost of construction, demolition and repair that comes from enforcing a building ordinance or law, so the dwelling limit responds to the fire damage but not to the upgrade the code demands. Other structures covers detached buildings, and loss of use pays living costs, so neither reaches a code-driven construction cost.

The power failure exclusion applies when the failure of power or another utility service takes place away from the residence premises; had the failure happened on the premises and led to a covered peril there, the ensuing loss would be paid. Food is ordinary personal property and is not excluded, so the answer blaming the property type identifies the wrong reason.

Neglect means the insured's failure to use all reasonable means to save and preserve property at and after the time of a loss, and it is a Section I exclusion, so the damage that spreads while the building sits open is not paid even though the original fire is covered. Calling the later damage an ensuing water loss ignores that the insured's own inaction let it in.

Governmental action means the destruction, confiscation or seizure of property by order of a public authority, and it is one of the standard Section I exclusions, so a demolition ordered by the municipality is not an insured loss. The collapse answer describes an abrupt structural failure from a listed cause, not a deliberate teardown carried out under a public order.

Coverage C leaves out motor vehicles and their equipment, along with aircraft, animals, and the property of roomers and boarders, because those exposures belong on an auto or specialty policy. A riding mower is not treated as an excluded motor vehicle when it is used to service the residence and is not licensed for road use, and a bicycle is ordinary personal property.

Coverage C insures property owned or used by an insured and by household residents related to the insured, and it specifically excludes property of roomers and boarders who are not related, along with property in an apartment regularly rented to others. The boarder needs a tenants policy of his own, so answers paying any part of Coverage C for his goods are wrong.

The dwelling settles at replacement cost with no deduction for depreciation when the amount of insurance is at least 80% of full replacement cost, and $340,000 divided by $400,000 is 85%. That clears the test, so the full $50,000 repair cost is paid. The $38,000 answer is the actual cash value, which is how contents rather than the dwelling would settle.

Because $210,000 is only 70% of replacement cost, the insured falls under the 80% requirement and the policy pays the greater of actual cash value or the proportion the limit bears to 80% of replacement cost. Eighty percent of $300,000 is $240,000, and $210,000 divided by $240,000 is 0.875, so 0.875 times $30,000 gives $26,250, which beats the $18,000 actual cash value.

Personal property settles at actual cash value on the unendorsed form, which is replacement cost minus depreciation, so $2,400 less half its value leaves $1,200. Paying the full $2,400 is what a personal property replacement cost endorsement would buy, and the deductible still comes off whichever settlement basis applies.

The deductible is retained by the insured and comes off the amount otherwise payable for a Section I loss, so $8,400 minus $1,500 leaves $6,900. The $9,900 answer adds the deductible instead of subtracting it, and paying the full $8,400 would ignore the retention the insured accepted in exchange for a lower premium.

On a standard unendorsed form the special limit for money and coins is $200 and the limit for theft of jewelry, watches and furs is $1,500, so the payment is $200 + $1,500 = $1,700 before any deductible. The $4,600 figure ignores both special limits and simply pays the full loss. The $4,200 figure caps the cash but forgets that stolen jewelry carries its own $1,500 cap.

Theft of firearms and related equipment is subject to a $2,500 special limit on a standard unendorsed form, so the large Coverage C limit does not help and the policy pays $2,500 toward the $6,000 collection. The $1,500 figure is the theft limit for jewelry, watches and furs, not firearms. Paying the full $6,000 ignores the special limit entirely.

Theft of silverware, goldware and pewterware carries a $2,500 special limit on the standard form, so $2,500 of the $9,000 loss is paid. The $1,500 figure belongs to theft of jewelry, watches and furs. Paying the full $9,000 would ignore the class limit, which is why owners of a large service schedule it separately.

A Coverage C special limit caps the whole class of property in one loss, not each article, so a single $1,500 limit applies to all jewelry taken in the burglary and the pair brings $1,500. Treating the cap as per item would produce $3,000, and paying $4,000 ignores the special limit. Scheduling each ring is the way to insure them for full value.

Securities, accounts, deeds, evidences of debt, manuscripts, tickets and stamps share a $1,500 special limit on the standard form, and that limit applies to loss by any covered peril rather than theft alone. The $200 figure is the limit for money and coins. The $2,500 figure is the theft limit for firearms or for silverware and goldware.

Watercraft, together with their trailers, furnishings, equipment and outboard motors, share one $1,500 special limit under Coverage C on the standard form. That single limit covers the boat and everything that goes with it, so a real boat needs its own watercraft policy. The $2,500 figure belongs to firearms, silverware or business property, not watercraft.

Business property on the residence premises carries a $2,500 special limit on the standard form, so $4,500 of the $7,000 exposure is uninsured. The $1,500 figure is the jewelry-theft and watercraft limit, and $500 is the credit card and forgery amount. A home business of this size belongs on a business owners policy or an endorsement.

The $2,500 special limit on silverware, goldware and pewterware is written for loss by theft, so a fire loss is settled under the ordinary Coverage C limit instead of the sublimit. The answer applying $2,500 to any peril confuses a theft sublimit with a class limit that runs across all perils. No special limit doubles because the peril happened to be fire.

Money, bank notes, bullion, coins, medals and similar items carry the lowest special limit on the standard form, $200, and it applies to loss by any covered peril. Deeds and manuscripts sit in the $1,500 class, while firearms and silverware each carry $2,500 for theft. Cash kept at home is therefore very lightly insured.

This additional coverage is limited to 5% of the Coverage A limit in any one loss, here 5% of $300,000 = $15,000, but no more than $500 for any one tree, shrub or plant. Three trees at $500 each comes to $1,500, well under the $15,000 ceiling. The $15,000 answer applies only the aggregate cap, and $3,600 ignores the per-item cap.

The fire department service charge additional coverage pays up to $500 for a charge the insured becomes liable for when a department is called to save covered property, and no deductible applies to it. A $900 bill therefore brings $500 rather than the full amount. The answer that subtracts a deductible misreads how this additional coverage is written.

This additional coverage pays up to $500 for the insured's legal obligation from unauthorized use of a credit or fund transfer card, forgery of a check, and acceptance of counterfeit paper currency, and no deductible applies. The $1,000 figure is the loss assessment amount. The $2,500 figure belongs to firearms, silverware or business property.

Loss assessment is an additional coverage with a standard limit of $1,000 for the insured's share of an assessment charged by the association after a loss to property owned collectively, so the owner keeps $3,300 of the $4,300 charge. The full-payment answer treats loss assessment as if it shared the Coverage A limit. A higher amount can be bought by endorsement.

The landlord's furnishings additional coverage insures appliances, carpeting and other household furnishings in an apartment on the residence premises that is rented or held for rental, up to $2,500. The $1,000 answer is the loss assessment limit and $500 is the credit card and forgery amount. Theft of those furnishings is outside this additional coverage.

Ordinance or law is an additional coverage of up to 10% of the Coverage A limit for the increased cost of construction needed to meet a code when repairing covered damage, and 10% of $250,000 is $25,000. The 5% figure is the trees, shrubs and plants aggregate. The $2,500 figure is a Coverage C special limit, not a rebuilding allowance.

Property removed from the premises because it is endangered by a covered peril is insured against direct loss from any cause for 30 days while removed, an unusually broad grant. The 90-day answer stretches the period, and limiting the coverage to theft or to named perils understates it. This coverage does not increase the limit on the removed property.

Additional coverages are grants the form supplies for specific expenses, each with its own stated dollar amount or percentage, rather than limits the insured picks on the declarations. The answer describing a limit the insured selects describes Coverage A through Coverage D. Nothing requires the Coverage A limit to be used up first before one applies.

The reasonable repairs additional coverage pays the necessary cost of measures taken solely to protect covered property from further damage after a covered loss, which is exactly what tarping an opened roof does. Debris removal pays to haul away wreckage rather than to prevent more damage. This coverage does not increase the limit on the damaged property.

Debris removal pays the reasonable expense of removing the debris of covered property when a covered peril causes the loss, and that expense is included in the limit applying to the damaged property. Routine trash collection and voluntary demolition of an undamaged building are maintenance decisions, not losses. The coverage follows the insured's own covered property.

Collapse is an additional coverage that responds to an abrupt falling in of a building caused by one of the causes the form lists, such as hidden decay, hidden insect or vermin damage, or the weight of contents, equipment or people. Settling, cracking, bulging and expansion are specifically not a collapse, and long-known wear is not a listed cause.

Coverage E carries a standard minimum of $100,000 for each occurrence, and higher limits can be purchased for a modest premium. It is an occurrence limit covering all damages from one event, so the per-person answer misreads the structure. Coverage F, medical payments to others, is the Section II coverage written on a per-person basis.

Coverage E pays damages the insured is legally liable for up to the limit, and defense is provided at the insurer's expense in addition to that limit, so $100,000 of damages plus $30,000 of defense costs comes to $130,000. The $100,000 answer treats defense as if it eroded the limit, which is how a defense-inside-the-limits policy works, not a homeowners form.

Coverage F medical payments to others is written per person with a standard minimum of $1,000, so $1,000 of the $2,600 is paid and the balance is not a Coverage F matter. The $100,000 figure is the Coverage E personal liability limit, which responds only if the insured is legally liable. No fault has to be shown to trigger Coverage F.

Medical payments to others is written for people outside the household; it excludes bodily injury to the named insured, the resident spouse and other residents of the household, so a resident daughter brings nothing. Her care is a health insurance matter instead. The answer paying $1,000 forgets that the residency test comes before the no-fault feature.

Section II defines an insured to include the named insured and resident spouse, resident relatives, and any other person under 21 who is in the care of an insured, which covers a foster child living in the household. Blood relationship is not required for that group. Nobody has to be listed by name on the declarations to qualify as an insured.

Section II extends the definition of an insured to a person legally responsible for an animal owned by an insured while that person is using it with permission, so the friend walking the dog is an insured for that use. He is not an insured for his own unrelated activities. He is not a claimant either, since the bitten passerby is the one making the claim.

First aid expenses an insured incurs for others after a covered bodily injury are one of the Section II additional coverages, paid in addition to the Coverage E and Coverage F limits rather than out of them. The answer charging the payment against Coverage F confuses an additional coverage with the medical payments limit. First aid to an insured is not covered.

Section II excludes bodily injury and property damage arising out of an insured's business pursuits, so a paid repair operation run from the home needs a separate commercial liability policy or an endorsement. The $1,000 answer confuses this with damage to property of others, an additional coverage that itself excludes damage arising out of a business.

Section II excludes bodily injury and property damage arising out of the rendering or failure to render professional services, so a design error belongs on a professional liability policy. The answer treating it as an ordinary occurrence ignores that exclusion. The exclusion is a subject-matter bar, not a dollar threshold that bites above the Coverage E limit.

Section II excludes bodily injury and property damage arising out of the ownership, maintenance or use of motor vehicles, most watercraft and aircraft, because those exposures belong on an auto, boat or aviation policy. A dog bite away from home, a fall on the premises and a dropped-tool injury are ordinary occurrences the homeowners form is written to cover.

Section II excludes bodily injury and property damage expected or intended by an insured, so a deliberate punch brings neither damages nor a defense; insuring intentional harm would defeat the fortuity insurance requires. A criminal conviction is not needed for the exclusion to apply, and Coverage F does not step in where the injury was intended.

Damage to property of others is a Section II additional coverage that pays up to $1,000 per occurrence for property damage caused by an insured, at replacement cost and whether or not the insured is legally liable, so $1,000 of the $1,400 is paid. The answer paying nothing applies a liability test this additional coverage deliberately leaves out.

Section II requires the insured to give written notice of the occurrence, to promptly forward every notice, demand or legal paper received, to cooperate with the insurer and to help secure evidence and witnesses. Settling on his own or admitting liability voluntarily is what the duties forbid, because it prejudices the insurer's defense of the claim.

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.