D. It covers injury to attendees while loading or unloading them from draft or saddle animals. Policyholders receive a full copy of their policy, which usually runs at least 20 pages. D) Personal property replacement cost endorsement. C) No coverage is available. - all relatives of the named insured who live in the same household The meeting will be held at GIA's headquarters at 200 Cedar St, Seattle, WA 98121. They ask their agent if there is sufficient coverage under their standard homeowners policy for these high value items, and, if not, what is the best way to insure them. Scheduled personal property insurance covers losses and damage to possessions on a replacement-cost basis. A. a duplex that is owner-occupied $26,250 ---- The Coverage B total is $25,000, and the policy allows for an additional 5% for debris removal: $25,000 + 5% or $1,250 = $26,250. Physicians and Surgeons Floater Note: We don't currently offer the ability to schedule property, but stay tuned! Credit cards, All of the following properties can be insured under an unendorsed homeowners policy except B. an open perils (all-risk) basis. Which statement is correct? Under a Homeowners policy, Coverage B is what percentage of Coverage A? The insured's tenant -- Tenants must acquire their own insurance to cover their personal property and liability. Natalie offers to rent a room in her home to a local college student. A friend who is renting a bedroom in the insured's house since it is only three blocks away from work - Since the friend is a tenant, not a relative or a person in the care of the insured, he/she would not be an insured under the policy. The peril of theft is automatically included in all homeowners policies, whether theft occurs on the insured's premises or not, The permitted incidental occupancy endorsement, Deletes exclusions in the policy pertaining to a business conducted on the resident premises Someone broke into Mr. Johnson's house and stole $5,000 worth of firearms. \end{array} A wildfire is burning near Linda's house and the sheriff's department orders her to evacuate. D. vermin damage, A unique exclusion that is found only in the Fine Art Floater is: Which statement is correct about these forms? For example, a CSR could use one of the following endorsements to provide coverage for an insured's expensive jewelry: Scheduled Personal Property Endorsement (HO 04 61 05 11) or Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement) (HO 04 60 05 11). Scheduled Vs. Unscheduled Personal Property Coverage | Grange Insurance B. provides all-risk coverage. - does not cover a detached garage used for business, Under the special limits of liability section, the policy limits loss of theft of jewelry, watches, furs, and precious and semiprecious stones is $_____, The loss settlement provision of homeowners policies require that the insured carry a limit of insurance at least equal to, 80% of the full replacement cost of the dwelling.

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