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LM chapter 8

Homeowners Insurance

Extent and scope of HO-2. Broad form for Coverages A, B, and C
Extent and scope of HO-3. Special form, Open peril for Coverages A & B, Broad peril for Coverage C
Extent and scope of HO-4. Broad form for Coverage C
Extent and scope of HO-5. Comprehensive form and Open Peril for A,B,C
Extent and scope of HO-6. Broad form, limited coverage for A and Broad coverage for C
Extent and scope of HO-8. Modified form, Basic coverage for A,B,C
Section I property coverages. Coverage A- Dwelling. Coverage B-Other Structures. Coverage C-Personal Property. Coverage D- Loss of use.
Covers the dwelling and other structures attached to the dwelling as well as materials and supplies for repair and construction of those structures if they are located on or next to the residence premisis. Coverage A- Dwelling
Covers building on the described premisis that aer separate from the dwelling by clear space. Coverage B- Other structures
Provides coverage for personal property owned or used by an insured while it is anywhere in the world. Coverage C- Personal Property
Name the 5 classes of property specifically excluded from coverage. Animals, fish, birds. Motorized vehicles. Property of boarder. Credit Cards. Water or steam.
Coverage D is called what and provides what 2 coverages? Loss of use. Additional living expenses and fair rental value if premisis is rented out.
8 Additional coverages for homeowners. Debris removal. Reasonable repairs. Trees, shrubs, and other plants. Fire dept service charge. Property removed. Credit card/EFT/counterfit money ($500). Loss assessment for common areas. Glass or safety glazing material.
4 additional coverages in HO-2 Broad named perils. Weight of ice/snow. Intential water. Generated electrical current. Expansions to cover vehicle and smoke.
Insures personal property against the same perils covered under the HO-2. HO-4: Broad perils on Coverage C
HO-6 covers what? Broad peril on Coverage A and C
Coverage A and B covers Open Perial snad Coverage C covers Named peril. HO-3
Created by: landonhill
Popular Insurance sets




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