1. What is the meaning of occurrence under Section II of the homeowners policy? 2. Briefly explain the personal liability coverage (Coverage E) in Section II of the homeowners policy. 3. With regard to medical payments to others (Coverage F) in Section II of the homeowners policy: a. Briefly explain the coverage that is provided. b. Identify the people who are covered for medical payments. 4. Personal liability (Coverage E) and medical payments to others (Coverage F) provide protection to insureds at various insured locations. Identify the insured locations under Section II in the homeowners policy. 5. List the major exclusions that apply to personal liability (Coverage E) and medical payments to others (Coverage F) in the homeowners policy. 6. Section II of the homeowners policy provides several additional coverages. One additional coverage is called damage to the property of others. Briefly describe this coverage. 7. Briefly describe the following endorsements that can be added to a homeowners policy: a. Earthquake endorsement b. Inflation guard endorsement c. Personal property replacement cost loss settlement endorsement. d. Scheduled personal property endorsement (with agreed value loss settlement) e. Identity theft endorsement 8. Homeowners insurance premiums are based on a number of factors. Identify the major factors that determine the cost of a homeowners policy. 9. Many insurers now use insurance scores in the underwriting and rating of a homeowners policy. a. What is an insurance score? b. Why do insurers use insurance scores in underwriting and rating? 10. Briefly explain the suggestions that consumers should follow when shopping for a homeowners policy.