Additional Coverages and Endorsements

Which additional coverage pays for reasonable cleanup costs due to a covered peril?

Which additional coverage pays to protect property from further damage, after it has been damaged by a covered peril?

A strong wind ripped through Eddie’s backyard causing $5,000 damage to his five oak trees. How much will his homeowners policy pay under the Trees, Shrubs, and Other Plants additional coverage?

Angela had a house fire, and the fire department billed her $1,200 to put out the fire. How much of this bill will be paid by her homeowners policy?

Joyce owns a home in a community that requires her to belong to a homeowners association. The clubhouse owned by the homeowners association was damaged by a fire, causing $60,000 damage. Each homeowner in the association was assessed $3,000 to pay for the damage. How much of this bill will Joyce’s homeowner’s policy pay?

Bradley’s home has been empty for three months. No people live there and it has no furniture. Vandals broke all of the windows in the home resulting in $12,000 in damages. How much will Bradley’s homeowners insurance policy pay for these damages?

Which additional coverage pays for increased costs the insured incurs due to the enforcement of any ordinance or law which requires construction, demolition, remodeling, renovation, or repair?

The Earthquake endorsement states that one or more shocks that occur within

The Personal Property Replacement Cost endorsement changes the loss valuation method for Coverage C – Personal Property

Victoria has a $57,000 diamond ring and a silverware set worth $32,000. What can Victoria purchase to provide open peril coverage for the full value of these items? 

Which endorsement can be purchased to provide business personal property and liability coverage for an incidental business the insured operates at the insured’s home?