36. Property damage caused by water is automatically covered in home owner policies: a. true b. false 37. Dog bites accounted for more than one-third of all homeowner's insurance liability claims recently: a. true, as unbelievable as this sounds b. false, that is an extremely high amount considering that there are hundreds of causes of claims 8. Hovercraft liability is specifically excluded from homeowner's coverage: true, for any policy using standard language developed by the industry false, no one has hovercraft and they are not mentioned in a policy a. b. 39. If you run over your neighbor's bicycle with your auto, your homeowner's policy will cover the damage a. true b. false 0. An endorsement can be added to a homeowner's policy to cover earthquake damage: a. true false, a standard policy already covers earthquake damage b. 1. For auto insurance, the 2005 PAP form is used throughout the United States: true false, the 2005 PAP form is only used in 48 states, not Hawaii or Alaska a. b