Chapter 2, Section 2

Question 1

List the thirteen named perils of the Homeowners basic form

Answer 1

• Peril 1 - Fire or Lightning
• Peril 2 - Explosion
• Peril 3 - Smoke
• Peril 4 - Falling Object
• Peril 5 - Impact by Aircraft of Land Vehicle
• Peril 6 - Riot
• Peril 7 - Vandalism or Malicious Acts
• Peril 8 - Water Damage
• Peril 9 - Windstorm or Hail
• Peril 10 - Glass Breakage
• Peril 11 - Transportation
• Peril 12 - Theft, Including Damage Caused By Attempted Theft
• Peril 13 - Electricity

Question 2

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to buildings and contents caused by domestic hot water boiler

Answer 2

Covered

Question 3

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to building caused by smoke originating from a fireplace

Answer 3

Not covered

Question 4

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to contents caused by smoke origination from a fireplace

Answer 4

Not covered

Question 5

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage caused by a falling object striking lawn furniture

Answer 5

Not covered

Question 6

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to building caused by roof collapse by snow build up

Answer 6

Not covered

Question 7

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to contents caused by roof collapse by snow build up

Answer 7

Not covered

Question 8

Indicate whether the following loss would be covered under the Homeowners Basic Form:

death to family pet when struck by a vehicle

Answer 8

Not covered

Question 9

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to contents caused by accidental spillage while the insured is painting

Answer 9

Covered

Question 10

Indicate whether the following loss would be covered under the Homeowners Basic Form:

vandalism to vacant building

Answer 10

Not covered

Question 11

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to floor covering caused by family pet

Answer 11

Not covered

Question 12

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage cause by back-up sewer

Answer 12

Not covered

Question 13

Indicate whether the following loss would be covered under the Homeowners Basic Form:

water damage caused by a broken water pipe under the sink

Answer 13

Covered

Question 14

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage caused by windstorm to a satellite dish

Answer 14

Not covered

Question 15

Indicate whether the following loss would be covered under the Homeowners Basic Form:

glass breakage to lamps

Answer 15

Not covered

Question 16

Indicate whether the following loss would be covered under the Homeowners Basic Form:

collision damage to a TV being returned to the house in the insured’s car

Answer 16

Covered

Question 17

Indicate whether the following loss would be covered under the Homeowners Basic Form:

theft of the family pet

Answer 17

Not covered

Question 18

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to VCR from a sudden surge of power

Answer 18

Covered

Question 19

Indicate whether the following loss would be covered under the Homeowners Basic Form:

fire damage to a farm building on the insured’s premises

Answer 19

Not covered

Question 20

Indicate whether the following loss would be covered under the Homeowners Basic Form:

theft of hockey card collection at an exhibition

Answer 20

Not covered

Question 21

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to a stolen computer by the insured

Answer 21

Not covered

Question 22

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage intentionally caused by the insured

Answer 22

Not covered

Question 23

Indicate whether the following loss would be covered under the Homeowners Basic Form:

damage to a shirt being ironed by the insured

Answer 23

Not covered

Question 24

Indicate whether the following loss would be covered under the Homeowners Broad Form:

damage to buildings and contents caused by domestic hot water boiler exploding

Answer 24

Covered

Question 25

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to building caused by smoke originating from a fireplace

Answer 25

Covered

Question 26

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to contents caused by smoke originating from a fireplace

Answer 26

Covered

Question 27

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage caused by a falling object striking lawn furniture

Answer 27

Not covered

Question 28

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to building caused by roof collapse by snow build up

Answer 28

Covered

Question 29

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to contents caused by roof collapse by snow build up

Answer 29

Covered

Question 30

Indicate whether the following loss would be covered under the Homeowners Broad Form: death to family pet when struck by a vehicle

Answer 30

Not covered

Question 31

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to contents caused by accidental spillage while the insured is painting

Answer 31

Covered

Question 32

Indicate whether the following loss would be covered under the Homeowners Broad Form: vandalism to a vacant building

Answer 32

Not covered

Question 33

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to floor covering caused by family pet

Answer 33

Not covered

Question 34

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage caused by back-up sewer

Answer 34

Not covered

Question 35

Indicate whether the following loss would be covered under the Homeowners Broad Form: water damage caused by a broken water pipe under the sink

Answer 35

Covered

Question 36

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage caused by windstorm to a satellite dish

Answer 36

Not covered

Question 37

Indicate whether the following loss would be covered under the Homeowners Broad Form: glass breakage to lamps

Answer 37

Not covered

Question 38

Indicate whether the following loss would be covered under the Homeowners Broad Form: collision damage to a TV being returned to the house in the insured's car

Answer 38

Covered

Question 39

Indicate whether the following loss would be covered under the Homeowners Broad Form: theft of the family pet

Answer 39

Not covered

Question 40

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to VCR from a sudden surge of power

Answer 40

Covered

Question 41

Indicate whether the following loss would be covered under the Homeowners Broad Form: fire damage to a farm building on the insured's premises

Answer 41

Not covered

Question 42

Indicate whether the following loss would be covered under the Homeowners Broad Form: theft of hockey card collection at an exhibition

Answer 42

Not covered

Question 43

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage to a stolen computer by the insured

Answer 43

Not covered

Question 44

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage intentionally caused by the insured

Answer 44

Not covered

Question 45

Indicate whether the following loss would be covered under the Homeowners Broad Form: damage caused to a shirt being ironed by the insured

Answer 45

Not covered

Question 46

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to buildings and contents caused by domestic hot water boiler exploding

Answer 46

Covered

Question 47

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to building caused by smoke originating from a fire place

Answer 47

Covered

Question 48

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to contents caused by smoke originating from a fireplace

Answer 48

Covered

Question 49

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage caused by a falling object striking lawn furniture

Answer 49

Not Covered

Question 50

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to building caused by roof collapse by snow build up

Answer 50

Covered

Question 51

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to contents caused by roof collapse by snow build up

Answer 51

Covered

Question 52

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: death to family pet when struck by a vehicle

Answer 52

Not covered

Question 53

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to contents caused by accidental spillage while the insured is painting

Answer 53

Covered

Question 54

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: vandalism to a vacant building

Answer 54

Not covered

Question 55

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to floor covering caused by family pet

Answer 55

Not covered

Question 56

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage caused by sewer back-up

Answer 56

Not covered

Question 57

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: water damage caused by a broken water pipe under the sink

Answer 57

Covered

Question 58

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage caused by windstorm to a satellite dish

Answer 58

Not covered

Question 59

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: glass breakage to lamps

Answer 59

Not covered

Question 60

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: collision damage to a TV being returned to the house in the insured's car

Answer 60

Covered

Question 61

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: theft of the family pet

Answer 61

Not covered

Question 62

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to VCR from a sudden surge of power

Answer 62

Covered

Question 63

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: fire damage to a farm building on the insured's premises

Answer 63

Not covered

Question 64

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: theft of hockey card collection at an exhibition

Answer 64

Not covered

Question 65

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to a stolen computer by the insured

Answer 65

Not covered

Question 66

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage intentionally caused by the insured

Answer 66

Not covered

Question 67

Indicate whether the following loss would be covered under the Homeowners Comprehensive Form: damage to a shirt being ironed by the insured

Answer 67

Not covered