Homeowners Policy (HO)第 318 / 474 题
An off-premises transformer fails, a freezer thaws, and the food spoils. On a standard form the food loss is:
a.covered as an additional living expense
b.not covered, since food is excluded property
c.covered, since the freezer sits on site
d.not covered, as the failure was off site
解析
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.
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