房屋保险单(HO)第 348 / 531 题
Lightning strikes the home's own service panel, the power dies and a $3,400 heat pump is ruined. The power failure exclusion:
a.does not apply to an on-site failure
b.bars it, the power having failed
c.applies unless a fire follows the strike
d.limits payment to the Coverage C sublimit
解析
That exclusion is aimed at power interruptions beginning away from the residence premises, such as a downed line or a utility outage. A lightning strike on the home's own service equipment is an on-premises event and lightning is a named peril, so the $3,400 heat pump is a covered loss. The answer quoting a Coverage C sublimit borrows a cap that has nothing to do with this exclusion.
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
- Wind-driven waves and rising tidal water push seawater through a home's ground floor. A standard homeowners form treats this as:
- A homeowner deliberately smashes the windows of his own house to collect on the policy. Section I:
- An earthquake ruptures a gas line and the fire that follows destroys the house. On an unendorsed homeowners form:
- Water below the surface of the ground seeps through a basement wall over one winter and ruins the finished walls. The policy:
- One burglary takes a $3,000 firearm collection, a $4,000 silver service and $2,000 of bearer securities. An unendorsed form pays:
- The special limits that apply to jewelry, firearms and silverware are best described as:
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