T F 9. A separate insurance HO form is available for renters / condominium owners.

T F 10. Additional coverages under Section I of the Homeowners 3 policy covers the reasonable cost incurred to protect property from further damage after a covered loss occurs.

T F 11. The appraisal clause pays for appraisals you may need before you make a gift to a friend or charity.

T F 12. Persons insured under Section I of the Homeowners 3 policy include the named insured's children who are under age 24 and who are full-time college student.

T F 13. The Homeowners 6 (unit-owners form) policy includes personal liability coverage.

T F 14. Renters insurance is needed if you rent a house, but is not needed if you rent an apartment.

T F 15. A contract can be written on a twenty-unit apartment complex as long as the tenants are families.