房屋保险单(HO)第 331 / 531 题
An insured moving from an HO-3 to an HO-5 gains coverage because the HO-5:
a.doubles the Coverage C limit to 100% of Coverage A
b.removes the special limits on jewelry and firearms
c.adds flood and earth movement to the perils covered
d.insures personal property on an open-perils basis
解析
Both forms insure the dwelling on an open-perils basis; the upgrade is that personal property becomes open perils too, so the insurer must point to an exclusion to deny a contents claim. The answer that adds flood and earth movement fails because those stay excluded on every homeowners form. The special limits on jewelry and firearms also survive the upgrade, and only scheduling lifts them.
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同考点相关题目
- Coverage F (Medical Payments to Others) on a Homeowners policy pays for medical expenses of a guest:
- Under most Homeowners forms, certain categories of personal property such as jewelry, cash, and firearms are subject to:
- On a standard HO-3, the personal property of the insured is insured against:
- A 90-year-old house has a market value of $150,000, while rebuilding it with its original plaster and millwork would cost $480,000. The suitable form is:
- The built-in Coverage A on a standard HO-6 is meant to insure:
- A burglar takes a $3,000 coin collection from a home insured on an unendorsed HO-5 with $90,000 of Coverage C. The policy pays:
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