Juanita owns a home in Richardson, TX She purchases a Homeowners Policy (HO 3) from Farm State Ins Co The policy provides $100,000 in liability coverage (coverage E) and $5,000 in Med Pay coverage (coverage F) Juanita is the named insured under the policy State whether coverage is available for the following claims by answering yes or no If your answer is no, explain BRIEFLY why the policy does not cover the claim Juanitas dog, Bruno, bites the neighbors child The childs parents contact Juanita and tell her they will be making a claim against her for the childs injuries Juanita notifies Farm State of the claim Juanita slips on her icy sidewalk and sprains her ankle She incurs medical expenses to have the ankle treated She contacts Farm State and asks whether they will pay her medical expenses Juanita travels to New York to visit her friend Deborah Upon returning to Richardson, she learns Deborah has contracted the COVID 19 Virus Worse, she learns Deborah is going to sue her for contacting the disease because Deborah believes she contracted it from Juanita Juanita contacts Farm State about this claim Juanitas daughter, Maria, lives with Juanita and is a full time student at UT Dallas Maria drives her car to the Tom Thumb at Renner and Custer Maria accidentally strikes a customer in the parking lot with her car The customer hires a lawyer who threatens to sue Juanita and Maria for her clients injury Juanita notifies Farm State of the claim Juanita is an accountant who works from home She prepares a clients tax return The IRS contacts the client and advises the client owes $5,000 in penalties because the tax return was not properly prepared The client contacts Juanita and says Juanita must pay the $5,000 Juanita notifies Farm State of this claim

Question: Juanita owns a home in Richardson, TX. She purchases a Homeowners Policy (HO-3) from Farm State Ins. Co. The policy provides $100,000 in liability coverage

Juanita owns a home in Richardson, TX. She purchases a Homeowners Policy (HO-3) from Farm State Ins. Co. The policy provides $100,000 in liability coverage (coverage E) and $5,000 in Med Pay coverage (coverage F). Juanita is the named insured under the policy.

State whether coverage is available for the following claims by answering yes or no. If your answer is no, explain BRIEFLY why the policy does not cover the claim.

Juanita’s dog, Bruno, bites the neighbor’s child. The child’s parents contact Juanita and tell her they will be making a claim against her for the child’s injuries. Juanita notifies Farm State of the claim.
Juanita slips on her icy sidewalk and sprains her ankle. She incurs medical expenses to have the ankle treated. She contacts Farm State and asks whether they will pay her medical expenses.
Juanita travels to New York to visit her friend Deborah. Upon returning to Richardson, she learns Deborah has contracted the COVID-19 Virus. Worse, she learns Deborah is going to sue her for contacting the disease because Deborah believes she contracted it from Juanita. Juanita contacts Farm State about this claim.
Juanita’s daughter, Maria, lives with Juanita and is a full time student at UT Dallas. Maria drives her car to the Tom Thumb at Renner and Custer. Maria accidentally strikes a customer in the parking lot with her car. The customer hires a lawyer who threatens to sue Juanita and Maria for her client’s injury. Juanita notifies Farm State of the claim.
Juanita is an accountant who works from home. She prepares a client’s tax return. The IRS contacts the client and advises the client owes $5,000 in penalties because the tax return was not properly prepared. The client contacts Juanita and says Juanita must pay the $5,000. Juanita notifies Farm State of this claim.