Homeowner's Insurance T/F

If someone slips and falls on your sidewalk and sues you, your homeowner’s insurance liability may cover the claim up to your policy limit.

• Yes

• No

Your dog bites a man walking down the street and he has medical bills. Your homeowner’s insurance liability and medical may cover the claim up to your policy limit.

• Yes

• No

A $10,000 diamond wedding ring is lost. You have a basic homeowner’s policy (HO1) with RV on personal property. No specific items are separately scheduled. Will it be covered

for replacement after the deductible?

• Yes

• No

Your coat and purse are stolen out of your car. You have a basic homeowner’s policy with actual cash value. Will they be completely covered for replacement after the deductible?

• Yes

• No

A terrible storm ruins your unattached garage. You have a basic homeowner’s policy with Actual Cash Value. Will it be covered for rebuilding after the deductible?

• Yes

• No

Your deck is ruined by nasty carpenter ants? You need to have the deck replaced because all of the boards to the frame are rotten. Will a basic homeowner’s insurance plan cover this damage?

• Yes

• No

Your home catches on fire and you cannot live in your house until it is renovated. Your homeowner’s insurance will pay for you to stay in a hotel.

• True

• False

Your tree falls in a bad storm and lands on the top of your house putting a huge hole in the roof. Your homeowner’s insurance will pay to repair your roof and remove the tree, after you have paid the deductible.

• True

• False

You have a renter’s insurance policy. Someone was coming to visit you and they slipped on your snowy stairs. The person sues you for damages (medical bills/recovery) because you did not have the snow removed from the stairs. Will your insurance cover this claim?

• Yes

• No

Your house in unlocked and someone comes into your house and steals your wallet, phone, Xbox 360, and games. You have a basic homeowner’s policy with Replacement Value. Because your house was unlocked it will not be covered by insurance.

• True

• False