Bill Phillips, DDS$,$ is a dentist who lives in Bellevue, Washington. He lives with his $16$ year$-$old

daughter Janine; his $10$ year$-$old son Greg; and Goldie, his golden retriever dog. Bill purchased

an unendorsed ISO Homeowners $3$ policy. Several events have occurred since Bill purchased the

policy. Would the following claims $/$ losses be covered under Bill's unendorsed HO$-3$ policy?

Assume the policy does not include a deductible. $($half$-$point per part $-$ indicate if the loss$/$claim is

"covered" or "not covered"$)$

a$.$ The washing machine in the basement of Bill's home sprung

a leak. Some personal property in Bill's basement was

damaged by water that leaked from the washing machine.

b$.$ One of Bill's patients needed to have a tooth pulled. Bill

made a mistake $-$ he pulled the wrong tooth. The natient

sued Bill and the court awarded the patient $$$30,000.$

c$.$ Max, Greg's friend, visited the Phillips home. While the boys

played with Goldie, the dog bit Max on his arm. Max needed

$$500$ of medical care at a local medical clinic.

d$.$ While Bill, Janine, and Greg were away for the weekend at

Olympic National Park, someone broke into the Phillips

home and stole Bill's big screen television set.

e$.$ Bellevue Police caught Janine throwing rocks at the windows

of a vacant home. The damage was $$400.$

f$.$ Bill used a charcoal grill on the wooden deck of the home to

prepare food. After using the grill, it was knocked over by a

gust of wind. The hot coals set the wood deck on fire.

g$.$ An earthquake damaged the foundation of Bill's home.

Covered Not Covered

Covered Not Covered

Covered Not Covered

Covered Not Covered

Covered Not Covered

Covered Not Covered

Covered Not Covered