HO$-3$ Section I: Property Coverages

Coverage A: Dwelling $($open peril$)$

Coverage B: Other Structures $($open peril$)$

Coverage C: Personal Property $($named peril$)$

Coverage D: Loss of Use

Additional Coverages

Sam and Sally Green have a standird HO$-3$ homeowners policy with no endorsements. The dwelling is insured for its full value. Indicate whether or not each of the following losses is covered and under what coverage. Specify why each loss is covered or not covered.

The Green's valuable dog is stolen from their back yard.

Sally takes off her wedding ring in a public restroom to wash her hands. She accidentally leaves the ring behind.

While the Green's are vacationing in Europe, their hotel room is robbed. The thief gets away with jewels and cash.