HO-3 Section I: Property Coverages

Coverage A: Dwelling (open peril)

Coverage B: Other Structures (open peril)

Coverage C: Personal Property (named peril)

Coverage D: Loss of Use

Additional Coverages

Sam and Sally Green have a standard HO-3 homeowners policy with no endorsements. The dwelling is insured for its full value. Indicate whether or not each of the following losses is covered and under what coverage. Specify why each loss is covered or not covered.

8. While driving to work, Sam negligently hits a pedestrian.

9. Sally falls down the stairs of her home, incurring medical expenses.

10. Sam paints house interiors for a living. One day, he spills a can of paint on a client's carpet, ruining the carpet.

11. Sally, a lawyer, is sued for providing inaccurate legal advice.