房屋保险单(HO)第 336 / 531 题
When a homeowners policy pays a loss under Coverage B, the effect on Coverage A is that the dwelling limit:
a.is restored only if more premium is paid
b.drops by 10% for the rest of the policy term
c.stays intact, as Coverage B is a separate limit
d.is reduced by the amount paid on the structure
解析
The 10% shown for other structures is its own limit of liability, so paying a detached garage claim leaves the full Coverage A available for the house. The answer that subtracts the payment from the dwelling limit describes how a sublimit carved out of a single limit would behave, which is not how this coverage is written. No extra premium is needed to keep the dwelling limit whole.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- 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:
- 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 weekend guest's suitcase and camera are destroyed by a fire at the insured's home. Under Coverage C, that property is:
- A pedigree dog worth $2,500 dies in a fire that is otherwise a covered loss. Under Coverage C the policy pays:
- Two policies each carry $60,000 of Coverage C: one is a tenants HO-4 and the other a unit-owners HO-6. Their loss of use limits are:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对