Which of the following could be covered by a homeowners policy?
A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability.
Which of the following losses would not be covered by a homeowners policy?
Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear damage, war, etc.
Which of the following would not be considered an insured under a homeowner's policy?
Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.
Which of the following perils would be covered under an HO 2 policy?
The HO2 policy is a named-perils only insurance policy which means that it covers both your dwelling and personal property from damage caused by events, or perils, specifically named in your policy and nothing else. Some of the common named-perils found in an HO2 policy include: Theft. Fire or Lightning.