Question 11: When taking personal property along on a trip, it is covered under the HO 3:

Only 10% of the coverage amount is covered away from premises

It is only covered for a maximum of 30 days

It is covered only for named perils excluding theft

It is covered exactly as if it were at the residence premises

Question 12: Coverage D under the HO policy would be paid for which of the following losses?

An earthquake caused a fire which is endangering the covered premises and the insured is forced to evacuate

A flood damages the residence premises making it unfit to live in

A power outage at the power station across town causes the insured's electricity to go out for several days forcing them to move into a motel

An apartment rented by the insured off the residence premises is damaged by fire and the tenant moves out refusing to pay the rent.

Question 13: In addition to Insurance, all of these are effective risk management techniques, EXCEPT:

Loss control

Retention

Avoidance

Loss prevention

Question 14: The additional coverage loss assessment is covered under all of the following policies, EXCEPT:

HO 1

HO 3

HO 4

HO 6

Question 15: Which of the following theft losses would be covered?

Theft coverage committed by the insured's niece who was staying with the insured

Theft of construction materials to be used in building a gazebo

Theft of the insured's boat at the marina

Property which has disappeared from its last known location and theft is suspected

Question 16: Without the Personal Injury endorsement (HO 24 82) which of the following losses would NOT be covered?

An insured strikes a neighbor in an argument over a fence

An insured unfairly evicts a tenant from a rented room

An insured's 12 year old son throws a rock through the neighbors window

An insureds housekeeper accidentally poisons the neighbors pet