All the following statements concerning the dwelling coverage (Coverage A) of a homeowners policy are correct, EXCEPT:

Question 10 options:

a)	A structure attached to the main part of a dwelling by a utility line is part of the dwelling under an HO-3 policy.

b)	Materials and supplies on or next to the residence premises for alterations or repairs are part of the dwelling under an HO-3 policy.

c)	There is no coverage for damage to land upon which the dwelling is located.

d)	An attached carport or garage has coverage under the dwelling portion of the policy.

Question 11 (1 point)

Which of the following statements concerning other structures under a homeowners policy is (are) correct?

1. Other structures do not include swimming pools.
2. Other structures are not covered by the homeowners policy if they are used for business purposes.

Question 11 options:

	I only
	II only
	Both I and II
	Neither I nor II

Question 12 (1 point)

Which of the following losses is covered under Coverages A and B of an HO-3 homeowners policy?

Question 12 options:

	A wall of the dwelling cracks because of an earthquake aftershock.
	The front door and garage door were spray painted and gouged while the owners were in Florida for four months.
	The walls in the finished basement were ruined by mold and had to be replaced.
	The kitchen flooring is severely damaged due to the dishwasher overflowing.

Question 13 (1 point)

Which of the following statements concerning the other structures and personal property coverages of the homeowners policy is correct?

Question 13 options:

	Other structures are covered for 20 percent of the amount of insurance on the dwelling as an additional amount.
	Personal property items, such as cameras and luggage, are covered only while within the U.S., its territories, and Canada.
	The amount of personal property coverage under HO-3 is 10 percent of the amount of insurance on the dwelling.
	When an insured moves from one residence to a new principal residence, there is coverage of personal property while in transit for 30 days after the start of the move.

Question 14 (1 point)

Which of the following theft losses is covered under the homeowners policy?

Question 14 options:

	Theft of the owners television set from the room of a tenant
	Theft of the owners stamp collection by his or her troubled teenage son
	Theft of a prize rosebush from the owners front garden
	Theft of fishing equipment from the owners summer home during the winter, when the summer home is unoccupied

Question 15 (1 point)

Which of the following statements concerning the medical payments to others coverage under a homeowners policy is (are) correct?

1. The coverage only applies when the insured is legally liable for damages due negligence or other tort.
2. The medical expenses of a person bitten by the insured's cat would be covered.

Question 15 options:

	I only
	II only
	Both I and II
	Neither I nor II