Homeowners Section II Coverage Questions

Section II: Liability Coverages

Coverage E: Comprehensive Personal Liability

Coverage F: Medical Payments to Others

Section II Additional Coverages: Damage to property of others (up to $1,000)

The saga of Sam and Sally Green continues. Indicate whether each of the following losses is covered under their HO3 policy. Specify why each loss is covered or not covered.

1. A friend trips on a toy in the Green's family room and breaks a wrist.

2. The Green's young child accidentally knocks over an antique lamp in the Green's living room, causing $300 in damage to the lamp.

3. While at a friend's house, Sally accidentally knocks over a valuable vase. Damages are $400.

4. The Green's dog bites a neighbor child.

5. The young Green child and a friend are both hurt falling off the Green's swing set. Each child incurs $500 in medical expenses.

6. An old girlfriend sues Sam for $10,000, claiming that she contracted a venereal disease from him.

7. While playing basketball after work, Sam accidentally injures an opponent, who must go to the hospital for stitches.

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.

12. While driving his golf cart to the seventh tee, Sam accidentally runs over a golfing buddy. The buddy sues for damages.

13. At a bar, Sam punches a man for looking at Sally. He breaks the man's jaw, and the man sues for damages.

14. The Green's 10 year old daughter intentionally throws a rock at the neighbor's new car, causing $700 in damage.