Indicate whether the following losses are covered under Section II of the homeowner’s policy. Assume there are no special endorsements. Give reasons for your answers.
a. The named insured's dog bites a neighbor's child and also chews up the neighbor's coat.
b. A son living at home accidentally injures another player while playing softball.
c. A guest slips on a waxed kitchen floor and breaks an arm.
d. A neighbor's child falls off a swing in the named insured's yard and breaks an arm.
e. The named insured accidentally falls on an icy sidewalk and breaks a leg.
f. While driving to the supermarket, the named insured injures another motorist with the automobile.
g. A ward of the court, age 10, in the care of an insured, deliberately breaks a neighbor's window.
h. The named insured paints houses for a living.
A can of paint accidentally spills onto a customer's roof and discolors it.
i. The named insured falls asleep while smoking a cigarette in a rented hotel room, and the room is badly damaged by the fire.
j. The named insured borrows a camera, and it is stolen from a motel room while the insured is on vacation.