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. Smoke from a nearby industrial operation damages the Green's freshly painted home.

9. While the Green's son is home from college for Thanksgiving break, his computer is stolen from his dorm room.