Principles of Risk Management and Insurance 13th Edition by George Rejda,Michael McNamara

Exercise 1

Indicate whether the following losses are covered under Section of the homeowners policy. Assume there are no special endorsements. Give reasons for your answers.
a. The named insured's dog bites a neighbor's child and also chews up the neighbor's coat.
b. A son living at home accidentally injures another player while playing softball.
c. A guest slips on a waxed kitchen floor and breaks an arm.
d. A neighbor's child falls off a swing in the named insured's yard and breaks an arm.
e. The named insured accidentally falls on an icy sidewalk and breaks a leg.
f. While driving to the supermarket, the named insured injures another motorist with the automobile.
g. A ward of the court, age 10, in the care of an insured, deliberately breaks a neighbor's window.
h. The named insured paints houses for a living. A can of paint accidentally spills onto a customer's roof and discolors it.
i. The named insured falls asleep while smoking a cigarette in a rented hotel room, and the room is badly damaged by the fire.
j. The named insured borrows a camera, and it is stolen from a motel room while the insured is on vacation.