WebCe/P&C/HO/Dwelling/Commercial
Policies fully solved 2023
Homeowners Policy Coverage A
Dwelling: Insureds house and attached structures, attached garage and/or toolshed/construction
materials on or next to dwelling.
Homeowners Policy Coverage B
Other structures: Structures not attached to dwelling, detached garage, gazebo, driveway, swimming
pool, fence. (excludes structures rented to non-tenant: business structure)
Homeowners Policy Coverage C
Personal Property: Covers all "stuff" owned by the insured/coverage applies anywhere in the world,
including hotels. (excludes: animals, motor vehicles, tenants property, separately scheduled property)
Homeowners Policy Coverage D
(Loss of use.) Three benefits: additional living expenses, fair rental value, prohibited use (civil authorities)
Homeowners Policy Coverage E
, Personal Liability: Insurer provides defense, regardless of lawsuits merit, policy will pay up to the limit of
the policies liability coverage, coverage provided only when insured is legally responsible for damages.
There are 12 standard exclusions and 6 coverage E exclusions.
Homeowners Policy Coverage F
Medical Payments to Others: Goodwill coverage-medical payments made due to moral obligation, pays
reasonable and necessary medical expenses within three years from the date of the accident, covered
persons-does not cover the insured or regular residents of the insured. There are 12 standard exclusions
and 4 coverage exclusions
Key difference between a "Homeowners Policy" and "Dwelling Policy"
1) a homeowners policy is designed for owner-occupied properties while a dwelling policy is appropriate
for tenant-occupied properties and in other situations where a homeowners policy is not available or
desired. 2) the dwelling policy provides only property coverage for coverages A-E. Liability and theft
coverage is not included but is available as supplemental coverage.
Homeowners Liability Exclusions for E and F, There are 12
12 exclusions (motor vehicle, watercraft, aircraft, hovercraft, expected or intended injury, businesses,
professional services, insured's premises not on "insured location," war, communicable disease, sexual
molestation, corporal punishment, or physical or mental abuse, controlled substances) applicable to
both personal liability and medical payments,
Homeowners Additional Coverages
Provided through HO3 property section
Covered Perils (Named Perils)
Policies fully solved 2023
Homeowners Policy Coverage A
Dwelling: Insureds house and attached structures, attached garage and/or toolshed/construction
materials on or next to dwelling.
Homeowners Policy Coverage B
Other structures: Structures not attached to dwelling, detached garage, gazebo, driveway, swimming
pool, fence. (excludes structures rented to non-tenant: business structure)
Homeowners Policy Coverage C
Personal Property: Covers all "stuff" owned by the insured/coverage applies anywhere in the world,
including hotels. (excludes: animals, motor vehicles, tenants property, separately scheduled property)
Homeowners Policy Coverage D
(Loss of use.) Three benefits: additional living expenses, fair rental value, prohibited use (civil authorities)
Homeowners Policy Coverage E
, Personal Liability: Insurer provides defense, regardless of lawsuits merit, policy will pay up to the limit of
the policies liability coverage, coverage provided only when insured is legally responsible for damages.
There are 12 standard exclusions and 6 coverage E exclusions.
Homeowners Policy Coverage F
Medical Payments to Others: Goodwill coverage-medical payments made due to moral obligation, pays
reasonable and necessary medical expenses within three years from the date of the accident, covered
persons-does not cover the insured or regular residents of the insured. There are 12 standard exclusions
and 4 coverage exclusions
Key difference between a "Homeowners Policy" and "Dwelling Policy"
1) a homeowners policy is designed for owner-occupied properties while a dwelling policy is appropriate
for tenant-occupied properties and in other situations where a homeowners policy is not available or
desired. 2) the dwelling policy provides only property coverage for coverages A-E. Liability and theft
coverage is not included but is available as supplemental coverage.
Homeowners Liability Exclusions for E and F, There are 12
12 exclusions (motor vehicle, watercraft, aircraft, hovercraft, expected or intended injury, businesses,
professional services, insured's premises not on "insured location," war, communicable disease, sexual
molestation, corporal punishment, or physical or mental abuse, controlled substances) applicable to
both personal liability and medical payments,
Homeowners Additional Coverages
Provided through HO3 property section
Covered Perils (Named Perils)
