1、瑞达Rejda保险教材英文练习题21Principles of Risk Management and Insurance, 11e (Rejda)Chapter 21 Homeowners Insurance, Section II1) All of the following persons are insured for personal liability under the homeowners policy EXCEPTA) children of the named insured under age 24 who are attending college full time
2、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: CQuestion Status: Previous Edition2) Persons insured for personal l
3、iability 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 onlyB) II onlyC) both I and IID) neither I nor IIAnswer: DQuestion Status: Previous Edition3) All of the following st
4、atements about the personal liability coverage (Coverage E) of an unendorsed homeowners policy are true EXCEPTA) 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 i
5、njury liability. Answer: DQuestion Status: Previous Edition4) Which of the following statements about the insurers 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 s
6、uit is not groundless, false, or fraudulent.II. The insurers obligation to defend the insured ceases after the amount paid for damages from an occurrence equals the policy limit.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: BQuestion Status: Previous Edition5) Which of the following
7、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 named insureds household.B) Medical expenses incurred within 3 years of an accident are covered.C) Medical payments are made only if t
8、he insured is not legally liable.D) Covered medical expenses are limited to emergency room charges.Answer: BQuestion Status: Previous Edition6) Which of the following persons is (are) eligible for benefits under medical payments to others (Coverage F) of the homeowners policy?I. A friend who slips a
9、nd falls on a wet patio while visiting the named insured.II. A neighborhood child who is severely scratched by a cat in the care of the named insured.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: CQuestion Status: Previous Edition7) All of the following are considered insured locatio
10、ns for medical payments to others (Coverage F) under a homeowners policy EXCEPTA) a new vacation home purchased by an insured during the policy period.B) a motel room where an insured is temporarily residing.C) a hall rented by the insured for her daughters graduation party.D) farmland owned by the
11、insured.Answer: DQuestion Status: Previous Edition8) Section II of the homeowners policy has exclusions applying to all of the following EXCEPTA) activities of the named insureds minor children.B) business activities.C) transmission of a communicable disease.D) intentional injuries.Answer: AQuestion
12、 Status: Previous Edition9) All of the following situations are excluded from coverage under Section II of the homeowners policy EXCEPTA) the rental of a spare bedroom which is used by the tenant as an office.B) the use of a rented airplane to take a vacation.C) the ownership of a ten-unit apartment
13、 house as an investment.D) the performance of professional services by the insured at the residence premises.Answer: AQuestion Status: Previous Edition10) Which of the following situations is covered under Section II of an unendorsed homeowners policy?A) injuries which occur at a park resulting from
14、 a motorcycle owned by the insuredB) injuries resulting from an auto not subject to registration because it is in dead storageC) injuries resulting from an auto rented by the insured while on a vacationD) injuries resulting from a trailer being pulled by the insureds autoAnswer: BQuestion Status: Pr
15、evious Edition11) Which of the following statements regarding watercraft liability under Section II of an unendorsed HO-3 policy is (are) true? I. No coverage is available for watercraft liability. II. Liability arising out of the use of watercraft that are under certain length and horsepower limits
16、 is covered. A) I only B) II only C) both I and II D) neither I nor II Answer: BQuestion Status: Previous Edition12) Which of the following situations would be covered under Section II of a homeowners policy?I. The insured is sued by his girlfriend because he infected her with the AIDS virus.II. The
17、 insureds son is sued after a friend suffered serious injury as a result of using illegal drugs sold to him by the son.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: DQuestion Status: Previous Edition13) For which of the following situations would there be personal liability coverage
18、under the homeowners policy?I. The named insured accidentally injures her husband with a chain saw.II. The named insured breaks his wifes valuable vase while practicing his golf swing.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: DQuestion Status: Previous Edition14) All of the follo
19、wing are exclusions in the homeowners policy that apply to medical payments to others (Coverage F) EXCEPTA) bodily injury resulting from nuclear radiation.B) bodily injury to persons who are social guests at the insured location.C) bodily injury to persons eligible to receive workers compensation be
20、nefits.D) bodily injury to residents of the household who are in the care of an insured.Answer: BQuestion Status: Previous Edition15) Which of the following statements about the additional coverages included in Section II of the homeowners policy is true?A) Damage to property of others is covered on
21、ly if the insured is legally liable.B) Damage to property arising out of a business engaged in by the insured is covered. C) Interest that accrues on a judgment after the judgment is awarded but before the judgment is paid is covered under claims expenses.D) First aid expenses incurred by the insure
22、d for a bodily injury covered under the policy are not covered.Answer: CQuestion Status: Previous Edition16) Which of the following statements about the additional coverage for damage to property of others in Section II of the homeowners policy is true?A) The maximum amount of coverage is $25,000 pe
23、r occurrence.B) Payments are made on the basis of the replacement cost of the damaged property.C) There is coverage for property damage arising out of a business engaged in on a full-time basis by an insured.D) There is coverage for intentional property damage by any insured who is a teenager.Answer
24、: BQuestion Status: Previous Edition17) Liability arising out of all of the following are covered under the personal injury endorsement to the homeowners policy EXCEPTA) bodily injury.B) malicious prosecution.C) slander.D) invasion of privacy.Answer: AQuestion Status: Previous Edition18) Liability a
25、rising out of all of the following are covered under the personal injury endorsement to the homeowners policy EXCEPTA) property damage.B) false arrest.C) libel.D) slander.Answer: AQuestion Status: Previous Edition19) Factors that affect the cost of homeowners insurance include which of the following
26、?I. Construction material II. Deductible amountA) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: CQuestion Status: Previous Edition20) Which of the following statements about endorsements to the homeowners policy is (are) true?I. The purpose of the inflation guard endorsement is to help
27、prevent home owners from being under-insured.II. The purpose of the watercraft endorsement is to provide coverage for watercraft when they are used outside the United States.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: AQuestion Status: Previous Edition21) Which of the following sta
28、tements about buying homeowners insurance is true?A) There is no reason to carry insurance for more than 80 percent of a dwellings replacement cost.B) The deduction for depreciation will be increased if a personal property replacement cost endorsement is purchased.C) Premiums often can be reduced su
29、bstantially by selecting a higher deductible.D) There is little reason to compare cost since the lack of competition results in little price variation among companies.Answer: CQuestion Status: Revised22) Which of the following statements about an earthquake endorsement for a homeowners policy is (ar
30、e) true?I. The endorsement also covers landslides and volcanic eruptions.II. The coverage for earthquakes is written without a deductible. A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: AQuestion Status: Previous Edition23) Which of the following statements about the personal property
31、 replacement cost endorsement used with the homeowners policy is (are) true?I. The damaged or destroyed property must be repaired or replaced, no matter the size of the loss.II. It is designed primarily for antiques and fine art.A) I onlyB) II onlyC) both I and IID) neither I nor IIAnswer: DQuestion
32、 Status: Previous Edition24) Which of the following statements about the scheduled personal property endorsement to the homeowners policy is (are) true?I. It provides named-perils coverage on scheduled items.II. It can be used to insure valuable items such as jewelry, silverware, and coin collections.A) I on
