Different EXAM FX different Practice Test Pt.3 Questions With Complete Solutions

The insured's mother-in-law broke her leg falling down the front steps of the insured's premises. The insured's homeowners medical payments coverage will correct answer: Apply to injuries of any guests or visitors. First aid costs for others injured on the insured's premises correct answer: Are paid in addition to the liability limit. All of the following are additional liability coverages automatically provided in a homeowners policy EXCEPT correct answer: Personal injury The insured was mowing the lawn in his yard with a lawnmower borrowed from his brother. The fuel line ruptured, and the lawnmower was destroyed in the fire. How will the insured's homeowners liability policy respond? correct answer: It will cover the damage. When is liability coverage included in a homeowners policy? correct answer: It is included automatically. Additional coverages in the liability section of a homeowners policy cover all of the following EXCEPT correct answer: Damage to a third-party property for which the insured is legally liable. Which of the following coverages will respond if a claim is made or a suit is brought against an insured for damages due to bodily injury or property damage caused by an occurrence to which the coverage applies? correct answer: Coverage E - Personal Liability What type of coverage is Coverage E in homeowners policies? correct answer: Personal liability Which of the following would NOT be covered by HO liability insurance? correct answer: Intentional tort Another person has alleged that you are responsible for damage to their property. You notify your homeowners insurer. The insurer will correct answer: Either pay or defend as i