Questions - Chapter 2.2 Homeowners Forms - The Coverages

Question 1

List the 13 named perils of the Homeowners Basic Form.

Answer 1

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

Question 2

Indicate Yes or No with the following losses and whether or not they’d be covered under the Homeowners Basic Form.

1) __ Damage to buildings and contents caused by domestic hot water boiler exploding
2) __ damage to building caused by smoke originating from a fireplace
3) __ damage to contents caused by smoke originating from a fireplace
4) ___ damage caused by a falling object striking lawn furniture
5) ___damage to building caused by roof collapse by snow build up
6) ___damage to contents caused by roof collapse by snow build up
7) ___death to family pet when stuck by a vehicle
8) ___ damage to contents caused by accidental spillage while the insured is painting
9) __vandalism to a vacant building
10) ___ damage to floor covering caused by family pet
11) ___ damage caused by back-up sewer
12) ___ water damage caused by a broken water pipe under the sink
13) ___damage caused by windstorm to a statelite dish
14) ___ glass breakage to lamps
15) ___ collision damage to a TV being returned to the house in the insured’s car
16) ___ theft of a family pet
17) ___ damage to VCR from a sudden surge of power
18) ____ fire damage to a farm building on the insured’s premises
19) ____ theft of hockey card collection at an exhibition
20) ___ damage to a stolen computer by the insured
21) ____damage intentionally caused by the insured
22) ____ damage to a shirt being ironed by the insured.

Answer 2

1) Y
2) Y
3) N
4) N
5) Y
6) N
7) N
8) N
9) N
10) N
11) N
12) Y
13) N
14) N
15) Y
16) N
17) Y
18) N
19) N
20) N
21) N
22) N

Question 3

Indicate Yes or No with the following losses and whether or not they’d be covered under the Homeowners Broad Form.

1) __ Damage to buildings and contents caused by domestic hot water boiler exploding
2) __ damage to building caused by smoke originating from a fireplace
3) __ damage to contents caused by smoke originating from a fireplace
4) ___ damage caused by a falling object striking lawn furniture
5) ___damage to building caused by roof collapse by snow build up
6) ___damage to contents caused by roof collapse by snow build up
7) ___death to family pet when stuck by a vehicle
8) ___ damage to contents caused by accidental spillage while the insured is painting
9) __vandalism to a vacant building
10) ___ damage to floor covering caused by family pet
11) ___ damage caused by back-up sewer
12) ___ water damage caused by a broken water pipe under the sink
13) ___damage caused by windstorm to a statelite dish
14) ___ glass breakage to lamps
15) ___ collision damage to a TV being returned to the house in the insured’s car
16) ___ theft of a family pet
17) ___ damage to VCR from a sudden surge of power
18) ____ fire damage to a farm building on the insured’s premises
19) ____ theft of hockey card collection at an exhibition
20) ___ damage to a stolen computer by the insured
21) ____damage intentionally caused by the insured
22) ____ damage to a shirt being ironed by the insured.

Answer 3

1) Y
2) Y
3) N
4) N
5) Y
6) N
7) N
8) Y
9) N
10) N
11) Y
12) Y
13) N
14) N
15) Y
16) N
17) Y
18) N
19) N
20) N
21) N
22) N

Question 4

Indicate Yes or No with the following losses and whether or not they’d be covered under the Homeowners Comprehensive Form.

1) __ Damage to buildings and contents caused by domestic hot water boiler exploding
2) __ damage to building caused by smoke originating from a fireplace
3) __ damage to contents caused by smoke originating from a fireplace
4) ___ damage caused by a falling object striking lawn furniture
5) ___damage to building caused by roof collapse by snow build up
6) ___damage to contents caused by roof collapse by snow build up
7) ___death to family pet when stuck by a vehicle
8) ___ damage to contents caused by accidental spillage while the insured is painting
9) __vandalism to a vacant building
10) ___ damage to floor covering caused by family pet
11) ___ damage caused by back-up sewer
12) ___ water damage caused by a broken water pipe under the sink
13) ___damage caused by windstorm to a statelite dish
14) ___ glass breakage to lamps
15) ___ collision damage to a TV being returned to the house in the insured’s car
16) ___ theft of a family pet
17) ___ damage to VCR from a sudden surge of power
18) ____ fire damage to a farm building on the insured’s premises
19) ____ theft of hockey card collection at an exhibition
20) ___ damage to a stolen computer by the insured
21) ____damage intentionally caused by the insured
22) ____ damage to a shirt being ironed by the insured.

Answer 4

1) Y
2) Y
3) Y
4) N
5) Y
6) Y
7) N
8) Y
9) N
10) N
11) Y
12) Y
13) N
14) N
15) Y
16) N
17) Y
18) N
19) N
20) N
21) N
22) N