18. A Homeowners 4 (Contents Broad Form) policy is designed for: a. Personal property not covered in the Homeowners 2 policy b. Cars, boats, and motorcycles while in storage c. Tenants who rent apartments, houses, or rooms d. A multi-family dwelling 19. Dog bites accounted for more than one-third of all homeowner's insurance claims recently: a. True b. False, there are hundreds of causes of claims 20. Hovercraft liability is specifically excluded from homeowner's coverage: a. True, for any policy using standard language developed by the industry b. False, few people own hovercraft so they are not mentioned in policies