Home Insurance Policy Coverage
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Questions and Answers

What is a benefit of modern stucco siding?

  • Reduced durability
  • Increased weight
  • Higher cost
  • Improved flexibility (correct)

    • What is hardboard siding made of?

  • Aluminum and copper
  • Wood fibers, flakes, or chips mixed with glues and resins (correct)
  • Metal and zinc
  • Cement and lime

    • What is a characteristic of wood siding?

  • It is usually made from cedar or redwood (correct)
  • It is naturally resistant to decay
  • It is typically made from aluminum
  • It is only available in vertical profiles

    • What is the primary purpose of vinyl siding?

    <p>Weatherproofing and decoration</p> Signup and view all the answers

    What is a type of metal siding material?

    <p>Copper</p> Signup and view all the answers

    What is a characteristic of metal siding?

    <p>It offers a modern aesthetic</p> Signup and view all the answers

    What is stucco siding composed of?

    <p>Cement, lime, sand, and water</p> Signup and view all the answers

    What is a benefit of hardboard siding?

    <p>It is more affordable than wood or metal siding</p> Signup and view all the answers

    What is vinyl siding often used to imitate?

    <p>Wood clapboard, batten board, and shakes</p> Signup and view all the answers

    Under which section of an HO policy are exclusions listed?

    <p>Section II</p> Signup and view all the answers

    What is the purpose of exclusions in Coverage E and Coverage F?

    <p>To limit the insurer's potential liability</p> Signup and view all the answers

    Which of the following is NOT an exclusion under Section II?

    <p>Natural disasters</p> Signup and view all the answers

    Which of the following motor vehicles is NOT excluded from coverage?

    <p>Golf cart used on a golf course</p> Signup and view all the answers

    Which of the following watercrafts is excluded from coverage?

    <p>Powered sailboat used on the ocean</p> Signup and view all the answers

    Which of the following is an exclusion under Section II?

    <p>War or its consequences</p> Signup and view all the answers

    What is the primary purpose of Section II coverages in an HO policy?

    <p>To provide liability coverage to others</p> Signup and view all the answers

    Which of the following is NOT excluded under Section II?

    <p>Property damage to neighbor's property</p> Signup and view all the answers

    Which of the following is an exclusion under Section II?

    <p>Bodily injury to any person eligible to receive workers' compensation</p> Signup and view all the answers

    Which of the following is excluded under Section II?

    <p>Sexual molestation, corporal punishment, or physical or mental abuse</p> Signup and view all the answers

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