homeowners

Question 1

H02, HO8

Answer 1

named perils on the dwellings and the contents

Question 2

HO3

Answer 2

open perils on the dwellings, named on the contents

Question 3

H05

Answer 3

open peril on both the dwellings and the contents

Question 4

Coverage C (personal property) covers what percentage of coverage a?

Answer 4

50%

Question 5

On coverage C, what is the limit amount on trailers not used with watercraft?

Answer 5

$1,500

Question 6

Coverage C covers

Answer 6

machinery used in maintence at the premises

Question 7

Does homeowners policy provide coverage for roomers and boarders?

Answer 7

No

Question 8

Coverage D covers

Answer 8

additional living expenses

Question 9

Cover c excludes

Answer 9

animals, motorized vehicles, property of boarders, property in an apt held for rental by the insured, paper or electronic records, credit cards, water or steam

Question 10

what is the limit on money?

Answer 10

$200

Question 11

what is the limit on securities?

Answer 11

$1,500

Question 12

What is the limit on trailers not used with watercraft?

Answer 12

$1,500

Question 13

what is the limit for property on the residence used for business purposes?

Answer 13

$2,500

Question 14

what is the limit for property away from the residence premises used for business?

Answer 14

$500

Question 15

what is the limit for electronic apparatus?

Answer 15

$1,500

Question 16

what is the limit for theft on jewelry, watches, furs, and semi precious stones?

Answer 16

$1,500

Question 17

what is the limit on theft of silverware, goldward?

Answer 17

$2,500

Question 18

what is the limit of theft on fire arms?

Answer 18

$2,500

Question 19

how much will be covered for the removal of a tree?

Answer 19

$1,000 per occurence and $500 per tree

Question 20

what is the limit on the fire department service charge?

Answer 20

$500

Question 21

how long is the “property removed” covered for?

Answer 21

30 days

Question 22

Under the all home owners forms what percentage is ordinance of law covered?

Answer 22

10% of coverage A

Question 23

under what form is buildings and alteration covered and how much is covered?

Answer 23

HO4/ 10% of coverage C

Question 24

what perils are covered by all homeowners policies

Answer 24

1. fire
2. lightning
3. windstorm/hail (only it makes anopening in the building)
4. explosion
5. riot or civil commotion
6. aircraft
7. vehicles
8. smoke
9. vandalism and malicious mischief
10. theft
11. volcanic eruption

Question 25

vandalism is not covered after how many days that a property has been vacant?

Answer 25

60 days or more

Question 26

what are the h02 additional perils?

Answer 26

1. falling objects 2. weight of ice, snow, sleet 3. accidental discharge or overflow of water 4. sudden and accidental rupture of heat or air conditioning 5. freezing or plumbing 6. sudden and accidental damage from artificially generated electric

Question 27

what two perils in Ho2 are expanded?

Answer 27

1. vehicles includes a loss to a fence, drive or walk caused by a vehicle owned or operated in the insureds house 2. smoke peril includes loss of fire

Question 28

What sections of homeowners policies are all alike?

Answer 28

section 2

Question 29

Is theft of a dwelling under construction not included?

Answer 29

No

Question 30

is earth movement covered on all all H0 policies?

Answer 30

no excluded from all policies

Question 31

what type of peril coverage is provided for peronal property endorsement coverage?

Answer 31

open peril

Question 32

what can be added to cover the contents ona replacement cost basis?

Answer 32

personal property replacement cost endorsement

Question 33

Does the section I deductible apply to property covered

Answer 33

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