Question

Annuta and Ignas Haurilick live in a four-bedroom, two story home located on a 1.5 acre lot in

suburban Philadelphia. They have insured their home and its contents with an HO-03 policy.

They have $200,000 coverage on their dwelling, which is the dwelling’s current replacement

cost, $200,000 on other structures, $100,000 on personal property, and $40,000 for loss of use.

There is a $400 deductible.

The Haurilick family has insured both their Buick LeSabre and their Lincoln Continental under a

personal auto policy (PAP). The Haurilick family’s PAP has the usual collision coverage, the

usual Section II liability coverage, auto medical payments coverage, and both uninsured and

underinsured motorists coverage

The HO-03 policy of the Haurilick family will provide medical payments coverage for all the following persons, EXCEPT:

Group of answer choices

Ignas and all family memberse residing with him.

Residence employees.

Any person on the insured premises with the permission of any insured.

Any person injured away from the insured premises, if the injury is caused by the activities of an insured.

Any person injured away from the insured premises, if the injury is caused by an animal owned by or in the care of any insured.

Answer 1

Homeowners policy will cover all the points eexcept injury caused by an animalowned by or in care of any insured. Insurance companies consider canines to be aggressive pets. Animal owners may purchase a separate liability policy or add on that provides coverage for damages from animal attack. Some breeds of canine such as German Shepherds, pitbulls are considered aggressive and are blacklisted by the insurance companies altogether. The coverage pays for reasonable medical expenses for persons accidentally injured on the insured property.