Lucinda has her home and personal property insured under an HO-3 policy that covers the actual value of the home of $600,000. She also has coverages E and F under Section II. She has no endorsements.

Indicate whether the following loss is covered and indicate what section of the HO-3 policy supports your answer:

Lucinda is a self-employed accountant who works at home. A client sued her for $50,000. Is she covered?

What section of the HO-3 policy supports your answer?