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1. Sally and Chuck have homeowner's insurance through the Online Insurance Company (see document under case study module in D2L). Sally has jewelry valued at $10.000. Chuck has a coin collection valued at $15,000 and a motorboat valued at 20,000. Explain whether the following losses would be covered and for how much (ignore the deductible). If the loss is covered, explain which coverage applies. If the loss is not covered, or not fully covered, explain why. 4. A nearby river overflowed it's banks and got into Sally's house. It will cost $8,000 to repair the damage to her hardwood floors and $3,000 to replace the carpet. h. They came home after a night at the movies with their kids and found the house had been burglarized. All of Sally's jewelry was gone, as well as Chuck's coin collection. They had also stolen an iPad (9600), TV ($450) and an headphones ($400). c. Lightning hit a very large tree in the neighbor's yard causing it to fall onto Sally's property. The tree did damage to Sally's fence that will cost $750 to repair, and it did $2,500 damage to her roof. d. Chuck's boat was totally destroyed in a strong windstorm while parked in their driveway. 2. Are the following losses covered under Section II of Chuck and Sally's homeowners policy? Explain your answers by stating whether it is covered under Coverage E Personal Liability or Coverage F Medical Payments to Others (if there is in fact coverage) or both and why. 4. Sally's (a named insured) dog bites a neighbor's child and chews up the child's coat. 1. Chuck and Sally's son, Junior, lives at home. Junior accidentally injures another player while playing softball at a park nearby their house. 6 A neighbor's child falls off a swing in Chuck and Sally's yard and breaks an arm. 4. While driving to the supermarket, Chuck injures another motorist with his automobile. Policy Each Good Prayer Savings Reflected in Your Tol Premium 3.300.000 53000 S150.000 Coverage and Limits of Lilit Property Coverage Section Coverage A-Dwelling Cover One Cover - Personal Property Coverage D-Loes Liity Coverage Section Cover Personal utiliday Inn Property Demag Coverage Payerne henne Dede Peril Deductible Property Coverage Duble case of under the Proty Coverage Section only The applicable due to the 00.000 35.000 Desti PL-12345XL05-31 Names in SALLY JONES Policy Number456789123 Policy Priedy 1200 to July 1, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The town forach Specie Limits and Coverages is the name Personal Property Special Limits of Listy Money bank he core value cards Securities, accounts, sports, forestane Watercranting trailers and motor d. Tambiented with The way when precies The offers and releed met The repetere Dusret property on the ridence prema Business propery from hom Electronic aparus while in orona malowhid Electronic sed primarily for business and minor 1 500 1500 3500 1.500 52 500 52.500 $2.500 5500 SU The Spelends do not re your CCP IN Property. Additional Coverages Dubia Removal (Aditional sof damaged and properties Tremov Pero Preto Troes Shorts and Other Parts forse per er plate Personage Fire Department Service Charge Credit Cant Fund Trane. Forgery and Countertory Los A Landlord Fushing Once 10 Grave Martens Labrity Additional Coverage Dumage to Property of Others 3150 LA 1000 they Please enter your pedey for other Personal Present Special Links Loy and Admor Corp Required Forms and Endorsements included in Your Policy HOMEOWNERS HO 0 0 10 00 PL-12345 x 305-15 Com Page 2 Policy Each Good Prayer Savings Reflected in Your Tol Premium 3.300.000 53000 S150.000 Coverage and Limits of Lilit Property Coverage Section Coverage A-Dwelling Cover One Cover - Personal Property Coverage D-Loes Liity Coverage Section Cover Personal utiliday Inn Property Demag Coverage Payerne henne Dede Peril Deductible Property Coverage Duble case of under the Proty Coverage Section only The applicable due to the 00.000 35.000 Desti PL-12345XL05-31 Names in SALLY JONES Policy Number456789123 Policy Priedy 1200 to July 1, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The town forach Specie Limits and Coverages is the name Personal Property Special Limits of Listy Money bank he core value cards Securities, accounts, sports, forestane Watercranting trailers and motor d. Tambiented with The way when precies The offers and releed met The repetere Dusret property on the ridence prema Business propery from hom Electronic aparus while in orona malowhid Electronic sed primarily for business and minor 1 500 1500 3500 1.500 52 500 52.500 $2.500 5500 SU The Spelends do not re your CCP IN Property. Additional Coverages Dubia Removal (Aditional sof damaged and properties Tremov Pero Preto Troes Shorts and Other Parts forse per er plate Personage Fire Department Service Charge Credit Cant Fund Trane. Forgery and Countertory Los A Landlord Fushing Once 10 Grave Martens Labrity Additional Coverage Dumage to Property of Others 3150 LA 1000 they Please enter your pedey for other Personal Present Special Links Loy and Admor Corp Required Forms and Endorsements included in Your Policy HOMEOWNERS HO 0 0 10 00 PL-12345 x 305-15 Com Page 2 1. Sally and Chuck have homeowner's insurance through the Online Insurance Company (see document under case study module in D2L). Sally has jewelry valued at $10,000. Chuck has a coin collection valued at $15,000 and a motorboat valued at $20,000. Explain whether the following losses would be covered and for how much (ignore the deductible). If the loss is covered, explain which coverage applies. If the loss is not covered or not fully covered, explain why. 4. A nearby river overflowed it's banks and got into Sally's house. It will cost $8,000 to repair the damage to her hardwood floors and $3,000 to replace the carpet. b. They came home after a night at the movies with their kids and found the house had been burglarized. All of Sally's jewelry was gone, as well as Chuck's coin collection. They had also stolen an iPad (9600), TV (S450) and an headphones (5400). c. Lightning hit a very large tree in the neighbor's yard causing it to fall onto Sally's property The tree did damage to Sally's fence that will cost $750 to repair, and it did $2,500 damage to her roof. d. Chuck's boat was totally destroyed in a strong windstorm while parked in their driveway. 2. Are the following losses covered under Section II of Chuck and Sally's homeowners policy? Explain your answers by stating whether it is covered under Coverage E Personal Liability or Coverage F Medical Payments to Others (if there is in fact coverage) or both and why. 4. Sally's (a named insured) dog bites a neighbor's child and chews up the child's coat. b. Chuck and Sally's son, Junior, lives at home. Junior accidentally injures another player while playing softball at a park nearby their house. c. A neighbor's child falls off a swing in Chuck and Sally's yard and breaks an arm. d. While driving to the supermarket, Chuck injures another motorist with his automobile. w Policy Get Paper Savings Reflected in Your Total Premium That Coverage and Limits of Liability Property Coverage Section Coverage Coverage. Coverage Personal Property Coverage Loss of Liability Coverage Section Coverage Person Bodywyd Property Demageth 100 Coverage F. Mel Payments to fach penon 30 Deductibles Perl Dedule Party Coverage In case for the Property Coverage Section only P.1246 XL 105-18 Insured Copy Nerd SALLY JONES Policy Num 456789123 Policy Period January 21, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The shown for each of these Limits of Liability and Addi Caverages the foreach loss that carry Personal Property- Special Limits of Lisbiy a. Moneybank ons red value b. Secretary & Watercraft Induting trailers and moon Traders or serierned with water Thetlofsty Walche furios 1.Theft of German den $2.500 The of swargadware $2.00 . Dumnes property on the sidence $2.500 L se propony way to the dance $ 500 Electronic apparaten wie in arpon a motor Electronic pred pray for me and corpo motor velile The Social Lins Libyo not roase your Coverage Part Property Additional Coverages De Renovation and credit Tremoval PeTree 5800 PLN Tree Shrubs and Over Plants or secified perties Peran. Pero Cerage Free Service Cost Cart Fund Trauer, Forgery and Counterte Money Los A Landlord Furnishings Ordinance Cage Gave Markers 55.000 The policy debe appeachpole bly. Additional Coverages Damage to Property the Los sent St Pwy policy for the Pron Peperty Required Form and Endorsements included in Your Policy HOMEOWNERS HO 00 03 10 00 F-12345 XL S-1 med Pape Homeowners Policy Declarations Named insured and Mailing Address Residence Premis SALLY JONES 123 BLUE RADER LANE 123 BLUE RAIDER LANE MURFREESBOROTN 37132-1000 MURFREESBORO, TN 37132-9000 drunknyterspacent Mortgage Name and Address Your inner FEDERAL SAVINGS AND LOAN PO BOX 123 ONLINE PERSONAL INSURANCE COMPANY MURFREESBOROTN 37132 a subsidiary of The Online Insurance Group One Online Drive, Cyber, SP LOAN NUMBER 021022505 www.onlineins.com Policy Information Your Policy Number 456780 123 For Policy Service 1.100.222 3333 Your Account Number 1234567015 For Claim Service 800322106 The policy period is from January 1, 20XD 12:01 AM. STANDARD THE to January 1, 2017 12:01 AM STANDARD TIME at the residence premises Total Premium for this Policy 11.002.00 This is not a bill You will be bled separately Discounts The following discounts reduced your premium w Policy Early Quote Los Free Good Payer Fire Protect Device The Protective Device Savings Reflected in Your Total Premium Coverage and Limits of bilty Property Coverage Section Coverage A-Dwing 300.000 Coverage Beer Singh $30.000 Coverage Penny $110.000 Coverage D-Loss of Us 550.000 Liability Coverage Section Coverage F. Medic Payments to reach person Coverage Personably Body and Property Damage teache! 100.000 5.000 Deductibles Perl Dede Dette Property Coverage Deducitler case of loss under the Property Coverage Section, only a part of these te the applicable didactile we be pod je to the coverage stelle PL-12345XL05-19) Insured Copy Page 1 Name irured SALLY JONES Policy Number 470 1239 Policy Period January 2008 January 2011 Online Special Limits and Additional Coverages Coverage level Online Protect Premier The Imit shown for each of the Special Limits of Liability and Additional Coverages is the total limit for each Loss in the category Personal Property Special Limits of Liability a Money Banknotes considere 5 200 b. Secupport is a $1.500 Watercrat including trees and motor 1500 d. Trallers or malers not used with warna $1.500 Thelt of jewelry, watches, furs, precious stones 5500 The offrearms and related equipment 52.500 g.Thertollverware goldware, pewierware $ 2.500 Business property on the residence premises 52.500 Business property way from the residence pro S 500 Electronics while on a motora S500 Electron apparatet e primary for business and not in rupa motor vehicle 31.500 The Special Liter of Liably do not in your coverage Personal Property Limit Property Additional Coverages Lii 1. Sally and Chuck have homeowner's insurance through the Online Insurance Company (see document under case study module in D2L). Sally has jewelry valued at $10.000. Chuck has a coin collection valued at $15,000 and a motorboat valued at 20,000. Explain whether the following losses would be covered and for how much (ignore the deductible). If the loss is covered, explain which coverage applies. If the loss is not covered, or not fully covered, explain why. 4. A nearby river overflowed it's banks and got into Sally's house. It will cost $8,000 to repair the damage to her hardwood floors and $3,000 to replace the carpet. h. They came home after a night at the movies with their kids and found the house had been burglarized. All of Sally's jewelry was gone, as well as Chuck's coin collection. They had also stolen an iPad (9600), TV ($450) and an headphones ($400). c. Lightning hit a very large tree in the neighbor's yard causing it to fall onto Sally's property. The tree did damage to Sally's fence that will cost $750 to repair, and it did $2,500 damage to her roof. d. Chuck's boat was totally destroyed in a strong windstorm while parked in their driveway. 2. Are the following losses covered under Section II of Chuck and Sally's homeowners policy? Explain your answers by stating whether it is covered under Coverage E Personal Liability or Coverage F Medical Payments to Others (if there is in fact coverage) or both and why. 4. Sally's (a named insured) dog bites a neighbor's child and chews up the child's coat. 1. Chuck and Sally's son, Junior, lives at home. Junior accidentally injures another player while playing softball at a park nearby their house. 6 A neighbor's child falls off a swing in Chuck and Sally's yard and breaks an arm. 4. While driving to the supermarket, Chuck injures another motorist with his automobile. Policy Each Good Prayer Savings Reflected in Your Tol Premium 3.300.000 53000 S150.000 Coverage and Limits of Lilit Property Coverage Section Coverage A-Dwelling Cover One Cover - Personal Property Coverage D-Loes Liity Coverage Section Cover Personal utiliday Inn Property Demag Coverage Payerne henne Dede Peril Deductible Property Coverage Duble case of under the Proty Coverage Section only The applicable due to the 00.000 35.000 Desti PL-12345XL05-31 Names in SALLY JONES Policy Number456789123 Policy Priedy 1200 to July 1, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The town forach Specie Limits and Coverages is the name Personal Property Special Limits of Listy Money bank he core value cards Securities, accounts, sports, forestane Watercranting trailers and motor d. Tambiented with The way when precies The offers and releed met The repetere Dusret property on the ridence prema Business propery from hom Electronic aparus while in orona malowhid Electronic sed primarily for business and minor 1 500 1500 3500 1.500 52 500 52.500 $2.500 5500 SU The Spelends do not re your CCP IN Property. Additional Coverages Dubia Removal (Aditional sof damaged and properties Tremov Pero Preto Troes Shorts and Other Parts forse per er plate Personage Fire Department Service Charge Credit Cant Fund Trane. Forgery and Countertory Los A Landlord Fushing Once 10 Grave Martens Labrity Additional Coverage Dumage to Property of Others 3150 LA 1000 they Please enter your pedey for other Personal Present Special Links Loy and Admor Corp Required Forms and Endorsements included in Your Policy HOMEOWNERS HO 0 0 10 00 PL-12345 x 305-15 Com Page 2 Policy Each Good Prayer Savings Reflected in Your Tol Premium 3.300.000 53000 S150.000 Coverage and Limits of Lilit Property Coverage Section Coverage A-Dwelling Cover One Cover - Personal Property Coverage D-Loes Liity Coverage Section Cover Personal utiliday Inn Property Demag Coverage Payerne henne Dede Peril Deductible Property Coverage Duble case of under the Proty Coverage Section only The applicable due to the 00.000 35.000 Desti PL-12345XL05-31 Names in SALLY JONES Policy Number456789123 Policy Priedy 1200 to July 1, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The town forach Specie Limits and Coverages is the name Personal Property Special Limits of Listy Money bank he core value cards Securities, accounts, sports, forestane Watercranting trailers and motor d. Tambiented with The way when precies The offers and releed met The repetere Dusret property on the ridence prema Business propery from hom Electronic aparus while in orona malowhid Electronic sed primarily for business and minor 1 500 1500 3500 1.500 52 500 52.500 $2.500 5500 SU The Spelends do not re your CCP IN Property. Additional Coverages Dubia Removal (Aditional sof damaged and properties Tremov Pero Preto Troes Shorts and Other Parts forse per er plate Personage Fire Department Service Charge Credit Cant Fund Trane. Forgery and Countertory Los A Landlord Fushing Once 10 Grave Martens Labrity Additional Coverage Dumage to Property of Others 3150 LA 1000 they Please enter your pedey for other Personal Present Special Links Loy and Admor Corp Required Forms and Endorsements included in Your Policy HOMEOWNERS HO 0 0 10 00 PL-12345 x 305-15 Com Page 2 1. Sally and Chuck have homeowner's insurance through the Online Insurance Company (see document under case study module in D2L). Sally has jewelry valued at $10,000. Chuck has a coin collection valued at $15,000 and a motorboat valued at $20,000. Explain whether the following losses would be covered and for how much (ignore the deductible). If the loss is covered, explain which coverage applies. If the loss is not covered or not fully covered, explain why. 4. A nearby river overflowed it's banks and got into Sally's house. It will cost $8,000 to repair the damage to her hardwood floors and $3,000 to replace the carpet. b. They came home after a night at the movies with their kids and found the house had been burglarized. All of Sally's jewelry was gone, as well as Chuck's coin collection. They had also stolen an iPad (9600), TV (S450) and an headphones (5400). c. Lightning hit a very large tree in the neighbor's yard causing it to fall onto Sally's property The tree did damage to Sally's fence that will cost $750 to repair, and it did $2,500 damage to her roof. d. Chuck's boat was totally destroyed in a strong windstorm while parked in their driveway. 2. Are the following losses covered under Section II of Chuck and Sally's homeowners policy? Explain your answers by stating whether it is covered under Coverage E Personal Liability or Coverage F Medical Payments to Others (if there is in fact coverage) or both and why. 4. Sally's (a named insured) dog bites a neighbor's child and chews up the child's coat. b. Chuck and Sally's son, Junior, lives at home. Junior accidentally injures another player while playing softball at a park nearby their house. c. A neighbor's child falls off a swing in Chuck and Sally's yard and breaks an arm. d. While driving to the supermarket, Chuck injures another motorist with his automobile. w Policy Get Paper Savings Reflected in Your Total Premium That Coverage and Limits of Liability Property Coverage Section Coverage Coverage. Coverage Personal Property Coverage Loss of Liability Coverage Section Coverage Person Bodywyd Property Demageth 100 Coverage F. Mel Payments to fach penon 30 Deductibles Perl Dedule Party Coverage In case for the Property Coverage Section only P.1246 XL 105-18 Insured Copy Nerd SALLY JONES Policy Num 456789123 Policy Period January 21, 2011 Online Special Limits and Additional Coverage Coverage Level Online Protect Premier The shown for each of these Limits of Liability and Addi Caverages the foreach loss that carry Personal Property- Special Limits of Lisbiy a. Moneybank ons red value b. Secretary & Watercraft Induting trailers and moon Traders or serierned with water Thetlofsty Walche furios 1.Theft of German den $2.500 The of swargadware $2.00 . Dumnes property on the sidence $2.500 L se propony way to the dance $ 500 Electronic apparaten wie in arpon a motor Electronic pred pray for me and corpo motor velile The Social Lins Libyo not roase your Coverage Part Property Additional Coverages De Renovation and credit Tremoval PeTree 5800 PLN Tree Shrubs and Over Plants or secified perties Peran. Pero Cerage Free Service Cost Cart Fund Trauer, Forgery and Counterte Money Los A Landlord Furnishings Ordinance Cage Gave Markers 55.000 The policy debe appeachpole bly. Additional Coverages Damage to Property the Los sent St Pwy policy for the Pron Peperty Required Form and Endorsements included in Your Policy HOMEOWNERS HO 00 03 10 00 F-12345 XL S-1 med Pape Homeowners Policy Declarations Named insured and Mailing Address Residence Premis SALLY JONES 123 BLUE RADER LANE 123 BLUE RAIDER LANE MURFREESBOROTN 37132-1000 MURFREESBORO, TN 37132-9000 drunknyterspacent Mortgage Name and Address Your inner FEDERAL SAVINGS AND LOAN PO BOX 123 ONLINE PERSONAL INSURANCE COMPANY MURFREESBOROTN 37132 a subsidiary of The Online Insurance Group One Online Drive, Cyber, SP LOAN NUMBER 021022505 www.onlineins.com Policy Information Your Policy Number 456780 123 For Policy Service 1.100.222 3333 Your Account Number 1234567015 For Claim Service 800322106 The policy period is from January 1, 20XD 12:01 AM. STANDARD THE to January 1, 2017 12:01 AM STANDARD TIME at the residence premises Total Premium for this Policy 11.002.00 This is not a bill You will be bled separately Discounts The following discounts reduced your premium w Policy Early Quote Los Free Good Payer Fire Protect Device The Protective Device Savings Reflected in Your Total Premium Coverage and Limits of bilty Property Coverage Section Coverage A-Dwing 300.000 Coverage Beer Singh $30.000 Coverage Penny $110.000 Coverage D-Loss of Us 550.000 Liability Coverage Section Coverage F. Medic Payments to reach person Coverage Personably Body and Property Damage teache! 100.000 5.000 Deductibles Perl Dede Dette Property Coverage Deducitler case of loss under the Property Coverage Section, only a part of these te the applicable didactile we be pod je to the coverage stelle PL-12345XL05-19) Insured Copy Page 1 Name irured SALLY JONES Policy Number 470 1239 Policy Period January 2008 January 2011 Online Special Limits and Additional Coverages Coverage level Online Protect Premier The Imit shown for each of the Special Limits of Liability and Additional Coverages is the total limit for each Loss in the category Personal Property Special Limits of Liability a Money Banknotes considere 5 200 b. Secupport is a $1.500 Watercrat including trees and motor 1500 d. Trallers or malers not used with warna $1.500 Thelt of jewelry, watches, furs, precious stones 5500 The offrearms and related equipment 52.500 g.Thertollverware goldware, pewierware $ 2.500 Business property on the residence premises 52.500 Business property way from the residence pro S 500 Electronics while on a motora S500 Electron apparatet e primary for business and not in rupa motor vehicle 31.500 The Special Liter of Liably do not in your coverage Personal Property Limit Property Additional Coverages Lii

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