Which of the following claims would not be covered under section ii of a homeowners policy

Q: Which coverage is not provided under Section II of a homeowners policy?

Section II provides coverage for bodily injury and property damage, but not coverage for personal injury, which includes acts such as libel, slander and false arrest among others. You can add an endorsement, Personal Injury (HO 24 82 10 00) to the Homeowners Policy to add coverage for personal injury claims.

Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: coverage for the structure of your home; coverage for your personal belongings; liability protection; coverage for additional living expenses

Table of Contents Show

Coverage for the structure of your home
Coverage for your personal belongings
Liability protection
Additional living expenses (ALE)
The Insuring Clause
The Duty to Defend
Medical Payments Coverage
Exclusions to Section II – Liability Coverage
Expert Legal Advice from Experienced Miami Insurance Claim Attorneys
Which coverage is not provided under Section II of a homeowners policy?
Which of the following is excluded under the Section II exclusions?
Which of the following would not be covered by a homeowners policy?
Which statement is true concerning Section 2 of a homeowners policy?

Coverage for the structure of your home

Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house.

A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.

When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.

Coverage for your personal belongings

Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.

The best way to determine if this is enough coverage is to conduct a home inventory.

Personal belongings coverage includes items stored off-premises—this means you are covered anywhere in the world. Some companies limit the amount to 10 percent of the amount of insurance you have for your possessions. You also have up to $500 of coverage for unauthorized use of your credit cards.

Expensive items like jewelry, furs, art, collectibles and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its officially appraised value.

Trees, plants and shrubs are also covered under standard homeowners insurance—generally for about $500 per item. Trees and plants are not covered for disease, or if they have been poorly maintained.

Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter (or even your dog) accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)

The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.

Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.

Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses can be paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.

Additional living expenses (ALE)

ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.

Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, these limits are separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.

If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.

Next steps: Purchasing a home? Get the Home Buyers Insurance Checklist.

Under Section II of a standard homeowners policy, your insurance company will cover your liability to third-persons for certain bodily injury or property damage claims. Simply put, if someone sues or threatens to sue you, your insurance company may reimburse you for damages you paid to the third-party claimant or the cost of defending the lawsuit. This blog takes an in-depth look into the personal liability section of your homeowners policy.

The Insuring Clause
The Duty to Defend
Medical Payments Coverage
Exclusions to Section II – Liability Coverage

Expert Legal Advice from Experienced Miami Insurance Claim Attorneys

The Insuring Clause

Section II of a typical homeowners policy contains a provision whereby your insurance company agrees to defend and indemnify you for damages you become liable to pay a third-party for certain “bodily injury” or “property damage” that results from an “occurrence.”

Standard homeowners policies have specific definitions for “bodily injury,” “property damage,” and “occurrence.” Policies typically define “bodily injury” to mean physical harms to a person’s body, while “property damage” is defined as physical damage to tangible property. An “occurrence” is typically defined as an “accident.” Thus, any bodily injury or property damage the insured intentionally causes is not covered.

The Duty to Defend

An insurer agrees to defend the policyholder against injury and property damage claims a third-party files against them. This means that the insurer will pay for an attorney to defend their insured against such third-party claims. If an insurance company fails to defend the policyholder, it breaches its duty to defend. An insurer’s breach of their duty to defend the policyholder constitutes “bad faith.”

Medical Payments Coverage

Under Section II – Liability coverage, the insurance company agrees to pay the insured for a third-party’s necessary medical expenses which arise from bodily injury caused by an occurrence. Such medical expenses are covered if incurred within 3 years after the date of the occurrence causing the associated bodily injury.

Medical Payments Coverage includes:

Medical expenses
Surgical costs
X-ray costs
Dental expenses
Ambulance costs
Hospital costs
Nursing expenses
Prosthetic devices
Funeral expenses

Exclusions to Section II – Liability Coverage

A standard homeowners policy lists specific liabilities that it will not cover. Thus, if a claim or lawsuit falls under one of the following exclusions, the insurance company does not have a duty to defend the insured.

Intentional Acts. Standard homeowners policies exclude from coverage any bodily injury or property damage that results from the insured’s intentional acts. Even if a policyholder did not intend to harm the third-party claimant, the exclusion precludes coverage for acts the insured intentionally performs where harm to the claimant was reasonably foreseeable.

Business Acts. A typical homeowners policy will exclude losses that arise in connection with the insured’s business activities. Policies commonly define “business” to mean the insured’s trade or profession.

Rental Activities. Basic homeowners policies will exclude coverage for bodily injury or property damage that arise from the insured’s act of renting part of their dwelling to the claimant. The extent of this exclusion can differ from policy to policy, depending on whether an endorsement applies.

Premises Not Insured. Because a homeowners policy covers the insured’s liability for injuries or property damage to third-persons in connection to the property it agreed to insure, any injury that is not connected to an insured location. An “insured location” typically involves the residence premises, and any structures or grounds connected to the residence premises.

Use of a Motor Vehicle. Automobile insurance covers losses that arise from a person’s use or operation of a motor vehicle. As a result, homeowners policies do not cover the same losses that an automobile insurance policy covers.

Expert Legal Advice from Experienced Miami Insurance Claim Attorneys

Insurance policies can be challenging to decipher. Without an experienced Miami insurance claim attorney to advise you and represent your interests, it can be difficult to understand the extent of your rights and obligations under the policy. When you do not understand your rights, it can be easy for insurance companies to take advantage of you. At The Morgan Law Group P.A., we’ll use our more than 2 decades of insurance law experience to help make sure insurance companies give your rights and interests the respect they deserve.

For more information about your rights and duties under your homeowners policy, call the Morgan Law Group at (844) 818-0774 or contact us online today.

Posted on March 15, 2019

Which coverage is not provided under Section II of a homeowners policy?

Section II provides coverage for "bodily injury" and "property damage," but not coverage for "personal injury," which includes acts such as libel, slander and false arrest among others. You can add an endorsement, Personal Injury (HO 24 82 10 00) to the Homeowners Policy to add coverage for personal injury claims.

Which of the following is excluded under the Section II exclusions?

Which of the following is excluded under the Section II exclusions? D Section II excludes coverage if a vehicle used to assist the handicapped is parked away from the insured location.

Which of the following would not be covered by a homeowners policy?

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Which statement is true concerning Section 2 of a homeowners policy?

Which statement is true concerning Section II of a Homeowners Policy? Damage to Property of Others pays up to $1,000 regardless of whether the insured is liable or not.