Question

Bill Davis has a Homeowners policy, which is the same as your sample policy. One day, Bill’s 8-year-old resident son decides to intentionally throw a rock through his neighbor’s picture window. It costs $900.00 to repair the window. Is this damage payable under Bill’s Homeowners policy?

Select one:

a. Yes—under Coverage E—Personal Liability
b. Yes—under the Damage To Property of Others section.
c. No—Section I of Bill’s policy doesn’t cover damage to a neighbor’s house
d. No—the act was intentional and is not covered

Answer 1

Correct option is d

Since the act was intentional it is not covered.

Under Coverage E-Personal liability protection is accorded to you and your family only. Hence this does not apply to the scenario above. Under damage to property of others section the neighbours house would be covered if the damage is caused by the insured house. Option c is untrue duet o Damage to property of others section.