Erin has her home and personal property insured under a homeowners policy (HO3) without endorsements for $290,000. The current replacement cost of her home is $300,000. A lightning strike kills Erin's prize-winning show dog, which has a value of $15,000. Will her homeowners policy (HO3) cover the loss? yes, but only for a limited amount of $1500 yes, since lightning is a covered peril for personal property OOO no, since lightning is not a covered peril for personal property no, since animals are excluded under personal property Previous Next Ave Mai esc a Search or ty a ! 1 # 3 % 5 2 4 Q W E R T A S D F ock