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 standard 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.

14. The Green's little boy leaves his bicycle in the middle of the driveway for about the millionth time. To teach Junior a lesson, Mr. Green purposely backs over the bicycle with his car.

15. Sally begins filling the bathtub, then goes to answer the phone. By the time she returns, the tub has overflowed, causing extensive damage to the kitchen ceiling.

16. A tornado severely damages the roof of their home.