Property Insurance Fundamentals第 233 / 474 题
Which of these people has an insurable interest in one particular house?
a.A buyer whose offer on it was rejected
b.A neighbor whose view that house frames
c.A bank holding a mortgage on that house
d.A roofer who worked on it three years ago
解析
Insurable interest means suffering a real financial loss if the property is damaged, and a mortgagee stands to lose its security, so it may be named on the policy. A neighbor's enjoyment of a view is not a financial stake in the building. A rejected buyer holds no ownership or contract right, and a contractor's interest ended when the finished job was paid for.
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同考点相关题目
- Two policies with no conflicting other-insurance wording cover the same building. Pro rata sharing makes each insurer pay:
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- Two policies share a loss pro rata: one carries an $80,000 limit, the other $120,000. A covered $50,000 loss occurs. The $80,000 policy pays:
- Two partners each own an undivided one-half interest in a $300,000 rental building. One buys a policy in her own name with a $300,000 limit. Fire destroys the building. She may collect:
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- Blanket insurance differs from specific insurance in that a blanket limit:
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