Michael’s home is covered for $250,000 (Coverage A) under a HO-3 policy and his automobile has 25/50/10 (Coverage A) and Uninsured Motorist and Underinsured Motorist coverage of 25/50 and Uninsured Property Damage of $10,000 under his PAP policy.

Determine which of the following losses under each policy would be covered and state what line of coverage would respond:

1. Michael rents a room of his home to a college student and learned that a watch and other jewelry belonging to the student was stolen.

2. Michael’s carpet, wood on his stairwell, and several pairs of shoes were damaged by the family’s pet dog, Bentley.

3. Michael drives his personal car to his business meetings.

4. Michael returns to his car after enjoying happy hour with friends to find he left his doors unlocked and his fur jacket and iPad were stolen. Would his PAP policy respond?

5. The neighborhood where Michael lives is not in a flood zone. Recently, the community experienced mudslides, which caused to the basement of the family’s home.

6. Janet, Michael’s wife, was the victim of identity fraud and had to take 2 days off from work to meet with representatives of the police department.

7. Michael hit a deer and damaged his automobile.

8. Michael borrows his friend’s car while his vehicle is being serviced and hits a mailbox while parking.

9. Michael’s wife frequently gives rides to several other children attending their daughter’s nursery school.

10. The family’s dog, Bentley, ran out of the yard and bit the neighbor’s 5 year old son.

Answer rating: 100% (QA)

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