Question

Indicate whether the following losses are covered under Section II of the homeowners policy. Assume there are no special endorsements and no deductible. Give reasons for your answers.

1. The named insured’s dog bites a neighbor’s child

2. The named insured's dog eats a neighbor's coat.

3. A neighbor’s child falls off a swing in the named insured’s yard and breaks an arm.

4. The named insured falls on his icy sidewalk and breaks a leg.

5. While driving to the supermarket, the named insured injures another motorist with the automobile.

6. The named insured paints houses for a living. A can of paint accidentally spills onto a customer’s roof and discolors it.

7. The named insured falls asleep while smoking a cigarette in a rented hotel room, and the room is badly damaged by the fire.

Answer 1

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The named insured’s dog bites a neighbor’s child and also chews up the neighbor’s coat.

This liability is compensated because the insured is protected by the homeowner insurance of Section II against any damages or injuries caused by animals owned by the insured person to other persons. The cover, which may unintentionally be harmed due to the action of the animal owned by the insured individual, shall therefore be responsible for the medical cost incurred by the pet. The neighbor's clothing is therefore protected by the insurance policy because other individuals than the insured incur the damages.

A neighbor’s child falls off a swing in the named insured’s a yard and breaks an arm.

The liability is protected, as the insured are compensated by the health insurance costs of unintended harm done to others when at the place of the insured under the homeowner provision of Section II (Channel F). In such instances, the child of the neighbor lost an arm by dropping from an insured yard swing. The infant is then injured at the location of the insured and the insured is then liable. Coverage F offers insurance against these risks for the insured.

The named insured accidentally falls on an icy sidewalk and breaks a leg.

The loss is not covered since the insured are not injured in the location that insurance is liable to pay.

The named insured paints houses for a living. A can of paint accidentally spills onto a customer’s roof and discolors it.

The loss is not covered because the insured's home and his family member will be shielded from civil obligation resulting from their conduct under personal liability under Section II. This loss is not covered. The insured individual inadvertently pours a can of paint on the customer's roof, decolorating the roof and causing damage to the building. The loss is not covered.

The named insured falls asleep while smoking a cigarette in a rented hotel room, and the room is badly damaged by the fire.

The risk will be compensated as section II specified that the insurers and their family members should be shielded from civil responsibility arising from the actions of their insured and their family members. Therefore, under Section II of the Homeowner's agreement, the harm incurred by the acts of the insured is protected.

While driving to the supermarket, the named insured injures another motorist with the automobile.

The liability is compensated because another person's medical bills are incurred under Section II of the homeowner's policy that might be unintentionally injured by an insured's action. If the motorist is hurt through insured practices, the medical costs under the homeowner's policy are also protected.

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