Homeowners

Question 1

Are the actions of a named insured who does not live on the premise described in the declaration covered?

Answer 1

No, see page 17 #6

Question 2

If dwelling building is Coverage a and personal property is coverage c what is personal liability?

Answer 2

Coverage E

Question 3

How much are tenants improvements and betterments insured for?

Answer 3

No limit

Question 4

What is the maximum payable under the credit or debit cards extensions?

Answer 4

$2,000 aggregate

Question 5

Where are building materials slated for renovations covered?

Answer 5

On or adjacent to the premises

Question 6

You have Guaranteed replacement cost on your building and you renovate your home over 3 months.The total value of the renovation is $10,000. 10 days after you have completed the renovations. There is a fire and the entire host Burns down. Is there coverage on these renovations?

Answer 6

No.

Question 7

In what instance must the authorities be notified before? A property plan can be simitive to an insurer?

Answer 7

Malicious acts, burglary comma robbery, and theft or attempted theft.

Question 8

What kind of water damage is covered?

Answer 8

Sudden and accidental

Question 9

If you go to affair and display your knitted mittens That you hope to sell there are you covered?

Answer 9

No, see exclusions on 2

Question 10

Is Theft at another location which you own rent or occupied covered by the comprehensive home owner policy?

Answer 10

Yes, if your temporarily living there.

Question 11

Are there certain special limits of insurance that do not apply in the event of a lost cause by specified peril. What items fall under this category?

Answer 11

Items 9 -14

Question 12

What is the limit and deductible for freezer food extensions?

Answer 12

$2,000 without deductible

Question 13

If your laptop is on personal Computer coverage and it is stolen from the back seat of your comparatible. While the roof is down would you be covered?

Answer 13

No, locked vehicle warranty

Question 14

If you are sued for transmitting a disease to another person, are you covered?

Answer 14

No, see exclusion 8

Question 15

When do special limits for items 1-8 apply?

Answer 15

Always

Question 16

What perils are outdoor trees shrubs and plants covered for?

Answer 16

Fire, lighting, explosion, impacts by aircrafts and vehicles, riot, vandalism, and malicious acts

Question 17

If you get charged by the fire department for services provided to save or protect your insured property. Is there any reimbursement from your policy?

Answer 17

Yes, up to $1,000

Question 18

If an insured chooses not to build on the same location, what would be the basis of claim payment?

Answer 18

Actual cash value

Question 19

You have a secondary residence which is insured for 50000 a detached shed which is valued at 10000 in the event of a total loss of both buildings. What is the covered on the pollen

Answer 19

$50,000 maximum

Question 20

What length of owned non motorized watercraft are automatically covered for your personal liability?

Answer 20

26 feet

Question 21

Is it possible to ensure a musical instrument played professionally on the personal articles coverage?

Answer 21

Yes, with written permission

Question 22

Where are your personal articles ensured by your comprehensive package policy?

Answer 22

Any where in the world

Question 23

Would a resident employee be covered if he was injured on your premise due to non negligent on your part?

Answer 23

Yes

Question 24

What must you do in something takes place? And you believe that there may be a liability claim?

Answer 24

Report by giving written proof with all the details, to all persons of interest.

Question 25

Will coverage g cover and insured for intentionally causing damage?

Answer 25

Only those 12 years of age or under.

Question 26

Is there a difference in the definition of insured under the personal property coverage and under the liability coverage?

Answer 26

Yes, personal property covers your property, and liability protects YOU from any accidental damage you may cause to other people, places, and things.

Question 27

Are you covered for vandalism at your seasonal dwelling?

Answer 27

Only if specified in the declaration 📜

Question 28

What is the deductible for an item on personal article coverage?

Answer 28

No deductible

Question 29

What does the additional condition Sue and labor require the insure to do following a claim?

Answer 29

Take all reasonable steps in and about the recovery of lost property

Question 30

What are the seven perils covered by a vacant permit?

Answer 30

Fire or lightning, explosion, smoke, falling objects, impact by aircraft vehicles, riot, and windstorm or hail.

Question 31

Is a boat scheduled on a watercraft Coverage covered when used once in a year in a race?

Answer 31

Not while racing

Question 32

Does the homeowner policy cover personal liability arising from the use of an owned aircraft?

Answer 32

No, see exclusion 10

Question 33

How much are bicycles covered for if there burned in a fire?

Answer 33

Their full value

Question 34

To repair an old air conditioner, walls have to be torn out. Would this be covered by the home owner’s policy?

Answer 34

No, has to result from an insured peril

Question 35

How much is an unscheduled watercraft covered for in the event It burns in a boathouse fire?

Answer 35

$1,000

Question 36

When does all coverage drop off of a vacant dwelling?

Answer 36

After 30 days

Question 37

If your friend moves into share the cost of your apartment. Is he or her contents covered under your policy?

Answer 37

No, they require their own content coverage.

Question 38

What coverage of homeowner policy covers an inground swimming pool?

Answer 38

Coverage A

Question 39

What are three perils drop off as soon as the building is vacant?

Answer 39

Water damage, vandalism, and glass breakage.

Question 40

Are you required to pay a deductible on items where a special limit applies?

Answer 40

Yes, off of the total loss.

Question 41

If the condominium corporations insurance is invalid or inadequate, how much will the condominium unit owner policy pay for the damage to the common areas that you get assessed for?

Answer 41

$10,000

Question 42

What is the maximum amount? The comprehensive homeowner policy will pay for the fire damage to a tree?

Answer 42

$500 per tree.

Question 43

Until what age is a student living away from home? Considered an uninsured under their parents policy?

Answer 43

No limit.

Question 44

Is there coverage for content while moving? If so how long at the what location?

Answer 44

Yes, 30 days while in transit to and at another location within Canada to be occupied by you as your principal residence.

Question 45

In the event of a loss of a collector’s item, will you be able to get a replacement cost on them?

Answer 45

No, replacement cost is only on new items.

Question 46

If a civil authority prohibits access to your premise due to damages to neighboring premises, are you covered?

Answer 46

Yes. For 14 days.

Question 47

If there is more than one policy covering a house, how would a loss be settled?

Answer 47

Each contributes its rate able proportion.

Question 48

If you go away on vacation and there’s a lost cause by freezing pipes at your basement. Are you covered?

Answer 48

Only if a competent person enters the dwelling each day or water stole has been shut off and all pipes drained.

Question 49

If you lose one of your diamond earrings that were purchased for $3000 and they cannot be replaced as a set was unique. William sure by a new pair of earrings. What about if the scheduled on personal article coverage?

Answer 49

No, pair and set

Question 50

If you have jewelry insured on personal article coverage and you purchase a new ring for $7,500 while on vacation, is it covered if you lose it fine days after purchasing it? If so, how how much?

Answer 50

Yes, only up to $5,000