Which of the following would not be covered under a typical homeowners policy?

What area is not protected by most homeowners insurance?

What are typical exclusions in an insurance policy?

Lightning, fire, and theft are all examples of perils are found under the exclusions section of every standard homeowners insurance policy. This means if your house or another structure on your property is damaged due to any of the following, your home insurance company won't cover the cost of repairs.

What are the six categories typically covered by homeowners insurance?

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages.

Which of the following would be covered by a home insurance policy quizlet?

Most home insurance policies include coverage against fire, theft, and other hazards for your home and other structures, and personal property. In addition, policies cover additional living expenses, personal liability, medical payments, and supplemental coverage for minor property damage mishaps.

Which of the following homeowners coverages does not generally contain a deductible?

Which of the following homeowners coverage does not have a deductible? Damage to property of Others is an Additional Coverage under Section II, which is not subject to a deductible. A guest falls in K's house and is injured in an amount of $1,000.

What are examples of commonly covered and not covered homeowners insurance situations?

Damage or destruction due to vandalism, fire and certain natural disasters are all usually covered. So is your liability if someone is injured on your property. Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.

Which of the following is not included in the declaration of a property policy?

Which of the following is not included in the Declarations of a Property Policy? The perils not covered are listed in the Exclusions. Theft is specifically defined as: Theft is the broadest definition and includes any act of stealing.

Which of the following is something that will not affect your homeowners insurance premium?

Which of the following is something that will not affect your homeowners insurance premium? Answer: A (The distance of the home from a school.)

What are examples of commonly covered and not covered homeowners insurance situations quizlet?

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

Which of the following is not an additional coverage under homeowners liability -- Section II coverage?

Which homeowners endorsement is used to insure high value items of personal property? Scheduled personal property. All of the following are homeowners Section II additional coverages EXCEPT: first aid provided to the insured.

What type of coverage does a homeowners policy include that a dwelling policy does not quizlet?

Unlike the homeowners policy, the dwelling policy does not include any coverage for personal liability. The personal liability supplement can be added to the dwelling policy or written as a separate policy. The coverage form includes 2 major coverages: personal liability and medical payments to others.

Which claim would be covered under Coverage E of a homeowners policy quizlet?

Coverage E of a Homeowners Policy would cover which of the following? Coverage E of the Homeowners Policy provides Personal Liability coverage for bodily injury or property damage arising out of an occurrence, with certain limitations and exclusions.

What are the three types of coverages for homeowners insurance?

Key Takeaways. Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

What are the different types of homeowners policies?

What are three things that are not covered by homeowners insurance?

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

What is not a standard exclusion in life insurance policies?

Life insurance policies may exclude coverage for aviation and hazardous occupations and hobbies. If the aviation exclusion is included, then it excludes paying a death claim if the insured was involved in operating an aircraft as a crew member. Travel as a passenger in an airliner is not included in this exclusion.

What are examples of commonly covered homeowners insurance situations?

Which type of disaster is not commonly covered by insurance?

Standard homeowners' insurance policies cover the most common types of damage, like theft and fire damage, but natural disasters are typically not covered.

Which coverage is not provided under Section II of a homeowners policy?

Four Section II exclusions— an insured's premises that are not an insured location, motor vehicles, watercraft, and aircraft—do not apply to bodily injury sustained by a “residence employee” in the course of employment by an insured.

What factors affect homeowners insurance?