Bruce is a surgeon who lives in Seattle. He lives with Elena, his 16 year-old daughter; Liam, his nine year-old son; and Barney, his golden retriever dog. Bruce purchased an unendorsed ISO Homeowners 3 policy, the policy we covered in class. A number of events have occurred since Bruce purchased the policy. Would the following claims / losses be covered under Bruces unendorsed HO-3 policy? Assume the policy does not include a deductible. (half-point per part your answer choices are covered or not covered circle or highlight your answer)

a. Bruce made a mistake while performing an operation. The

patient sued Bruce and was awarded $75,000. Covered Not Covered

b. Torrential rain caused a stream close to Bruces home to

flood. Flood waters damaged Bruces home. Covered Not Covered

c. Bruce fell asleep while smoking a cigarette in his den. He drop-

ped the cigarette, and it set the carpet on fire. The furniture in Covered Not Covered

the den was destroyed by the fire.

d. Seattle Police caught Elena throwing rocks at the windows of

a vacant home. The damage was $420. Covered Not Covered

e. Jenna, Elenas friend, visited Bruces home. While the girls

played with Barney, the dog bit Jenna on her arm. Jenna re- Covered Not Covered

quired $500 of medical care at Seattle Medical Clinic.

f. While Bruce, Elena, and Liam were on a one-week vacation to

Yellowstone National Park, someone broke into their home Covered Not Covered

and stole Bruces big screen television set.

g. A fire damaged Bruces home, making it uninhabitable. Bruce,

Elena, and Liam stayed at a hotel for two months while the Covered Not Covered

home was being repaired. Brue wants his insurer to pay for

the hotel room.