瑞达 Rejda 保险教材英文练习题21.doc

Principles of Risk Management and Insurance, 11e (Rejda) Chapter 21 Homeowners Insurance, Section II 1) All of the following persons are insured for personal liability under the homeowners policy EXCEPT A) children of the named insured under age 24 who are attending college full time and temporarily residing elsewhere. B) foster children under the age of 21 who reside with the named insured. C) nonresident employees of the named insured. D) the spouse of the named insured if a resident of the same household. Answer: C Question Status: Previous Edition 2) Persons insured for personal liability under the homeowners policy include which of the following? I. Relatives while visiting the named insured. II. Overnight guests who are not relatives of the named insured. A) I only B) II only C) both I and II D) neither I nor II Answer: D Question Status: Previous Edition 3) All of the following statements about the personal liability coverage (Coverage E) of an unendorsed homeowners policy are true EXCEPT A) Coverage is written on an occurrence basis. B) Coverage is provided for bodily injury liability. C) Coverage is provided for property damage liability. D) Coverage is provided for personal injury liability. Answer: D Question Status: Previous Edition 4) Which of the following statements about the insurer's obligation to provide a legal defense under the personal liability coverage (Coverage E) of the homeowners policy is (are) true? I. The insurer agrees to defend the insured only if the suit is not groundless, false, or fraudulent. II. The insurer's obligation to defend the insured ceases after the amount paid for damages from an occurrence equals the policy limit. A) I only B) II only C) both I and II D) neither I nor II Answer: B Question Status: Previous Edition 5) Which of the following statements about the coverage for medical payments to others (Coverage F) under the homeowners policy is true? A) Medical payments may be made for any resident of the name