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.

10. Lightning strikes a tree in the Green's front lawn, killing the tree.

11. An earthquake hits the Green's neighborhood and causes fires. The Green's home is damaged by the earthquake itself, and their tool shed is destroyed by one of the fires.

12. The Green's car is stolen from their garage.

13. The compressor in the refrigerator breaks and must be replaced.