General Insurance Principles第 160 / 474 题
For a homeowner to collect on a property insurance claim, insurable interest must exist:
a.At no particular time
b.At the time of the loss
c.Only when the premium is paid
d.Only when the policy is first issued
解析
In property insurance, insurable interest, the financial stake a person has in the property, must exist at the time of the loss. A homeowner who has already sold the house before a fire has no insurable interest and cannot collect. This differs from life insurance, where insurable interest is required only at the policy's inception, not at the time of the claim.
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