房屋保险单(HO)第 335 / 531 题
Coverage A is $250,000. One fire destroys a detached garage costing $19,000 to rebuild and a shed costing $8,000. Coverage B on an unendorsed form pays:
a.$27,000, the full cost of both structures
b.$25,000, the most Coverage B allows
c.$12,500, being 5% of Coverage A
d.$19,000, the garage only, as the larger
解析
Coverage B is capped at 10% of Coverage A, so 0.10 x $250,000 = $25,000 is the most available, and that single limit covers every other structure on the premises rather than one per building. The $27,000 answer pays the whole loss and ignores the cap. The garage-only answer wrongly treats the limit as applying to one structure at a time, and 5% is not the other-structures percentage.
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