Liability Coverages and Endorsements

What are the homeowners Section II coverages?

Marcus is negligent when his dog bites a neighbor causing extensive injuries and medical bills. The neighbor sues, and the case is settled for $75,000. Which coverage on Marcus’ homeowners policy will for this loss?

A guest at Martina’s home fell down the stairs. The guest was injured and the doctor bill was $900. Martina was not negligent. Which coverage on Martina’s homeowners insurance policy will pay the doctor bill?

Coverage F – Medical Payments to Others pays the necessary medical expenses of others that are incurred or medically ascertained within

Coverage F – Medical Payments to Others will pay

Mia was sued after a guest was critically injured in Mia’s pool. Mia was negligent and the lawsuit was settled for $250,000. The cost of the insurer to defend Mia was $75,000. Mia has a homeowners Coverage E – Personal Liability limit of $300,000. What is the total amount the insurer will pay for everything related to this claim? 

Beverly borrowed her neighbor’s table saw and broke it, causing a loss of $1,500. Her homeowners insurance policy will

Dawn owns a home and belongs to a homeowners association. A child is hurt while playing in the common area of the association, and each homeowner is accessed a portion of the lawsuit settlement. Under Dawn’s homeowners policy, this loss will

Which of the following risks would NOT be covered under the Business Pursuits endorsement of a homeowners policy?

When Ellen saw a strange man in her yard, she held the man against his will and called the police. As it turned out, the man was lawfully on Ellen’s premises reading Ellen’s gas meter. Ellen was sued by the man for false arrest. Ellen’s homeowners policy

Blake is negligent when he plows into another skier at a ski resort. The other skier is not injured, but the other skier’s skis are totally destroyed resulting in $4,000 damage. The other skier sues, and the case is settled for $4,000. Which coverage on Blake’s homeowners policy will pay for this loss?

Susan was hurt while playing football in her backyard. The hospital bill was $15,000. How much will Susan’s Homeowners policy pay?

Charlene is the owner of Charlene’s Child Day Care, which she operates at her home. During lunch one day, a child fell out of a high chair and was severely injured, and the child’s parents sued the day care. Is this accident covered under Charlene’s Homeowners Policy?