住宅保险单(DP)第 321 / 531 题
Unlike a homeowners policy, a dwelling policy lets the applicant:
a.skip the deductible on building losses
b.insure contents at their resale market value
c.insure the building with no contents coverage
d.collect for theft with no endorsement
解析
Dwelling coverages are written separately, so an owner living elsewhere can buy dwelling coverage alone while a tenant buys personal property coverage alone; a homeowners policy packages the coverages and requires an amount on the dwelling. Contents are settled at actual cash value, not resale market value, and theft comes only by endorsement. Deductibles apply under either policy.
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同考点相关题目
- A rented dwelling is unlivable for three months after a covered fire. The rent was $1,800 a month, and $200 a month of expenses stop while it is empty. Fair rental value pays:
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