Homeowners have four forms of homeowner's policies $(HO-1,HO-2,HO-3,$ and $HO-8),$ whereas renters and owners of condominiums have two forms $($HO$-4$ and HO$-6).$ Although there are differences in the coverages provided by the different policies, their formats tend to be the same.

Consider the following statements regarding the format of a homeowner's policy.

Section I of the homeowner's policy applies to the dwelling, adjacent structures, and the insured's personal property.

Comprehensive personal liability coverage protects the insured against many sources of liability, including negligence.

Two of the most frequently included perils in homeowner's policies are earthquakes and flooding.

A home's location and construction materials affect the premiums charged on a homeowner's policy, as do the deductible and amount of coverage carried.

Homeowner policies cover your pets and livestock as well as your personal car, motorcycle, golf cart, or snowmobile.

The following statements are true:

Statement $1$

Statements $2$ and $4$

Statements $1,2,$ and $3$

Statements $1,2,$ and $4$

Comprehensive personal liability coverage is provided under $$ of thameowner's policy. Although it protects against nearly any source of liability resulting from negligence, there are exclusions, including incidents involving the following:

Libel, slander, or defamation of character

Mmall dogs, boating accidents, and accidents involving automobiles