瑞达Rejda保险教材英文练习题21.docx
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瑞达Rejda保险教材英文练习题21.docx
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瑞达Rejda保险教材英文练习题21
PrinciplesofRiskManagementandInsurance,11e(Rejda)
Chapter21HomeownersInsurance,SectionII
1)AllofthefollowingpersonsareinsuredforpersonalliabilityunderthehomeownerspolicyEXCEPT
A)childrenofthenamedinsuredunderage24whoareattendingcollegefulltimeandtemporarilyresidingelsewhere.
B)fosterchildrenundertheageof21whoresidewiththenamedinsured.
C)nonresidentemployeesofthenamedinsured.
D)thespouseofthenamedinsuredifaresidentofthesamehousehold.
Answer:
C
QuestionStatus:
PreviousEdition
2)Personsinsuredforpersonalliabilityunderthehomeownerspolicyincludewhichofthefollowing?
I.Relativeswhilevisitingthenamedinsured.
II.Overnightguestswhoarenotrelativesofthenamedinsured.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
D
QuestionStatus:
PreviousEdition
3)Allofthefollowingstatementsaboutthepersonalliabilitycoverage(CoverageE)ofanunendorsedhomeownerspolicyaretrueEXCEPT
A)Coverageiswrittenonanoccurrencebasis.
B)Coverageisprovidedforbodilyinjuryliability.
C)Coverageisprovidedforpropertydamageliability.
D)Coverageisprovidedforpersonalinjuryliability.
Answer:
D
QuestionStatus:
PreviousEdition
4)Whichofthefollowingstatementsabouttheinsurer'sobligationtoprovidealegaldefenseunderthepersonalliabilitycoverage(CoverageE)ofthehomeownerspolicyis(are)true?
I.Theinsureragreestodefendtheinsuredonlyifthesuitisnotgroundless,false,orfraudulent.
II.Theinsurer'sobligationtodefendtheinsuredceasesaftertheamountpaidfordamagesfromanoccurrenceequalsthepolicylimit.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
5)Whichofthefollowingstatementsaboutthecoverageformedicalpaymentstoothers(CoverageF)underthehomeownerspolicyistrue?
A)Medicalpaymentsmaybemadeforanyresidentofthenamedinsured'shousehold.
B)Medicalexpensesincurredwithin3yearsofanaccidentarecovered.
C)Medicalpaymentsaremadeonlyiftheinsuredisnotlegallyliable.
D)Coveredmedicalexpensesarelimitedtoemergencyroomcharges.
Answer:
B
QuestionStatus:
PreviousEdition
6)Whichofthefollowingpersonsis(are)eligibleforbenefitsundermedicalpaymentstoothers(CoverageF)ofthehomeownerspolicy?
I.Afriendwhoslipsandfallsonawetpatiowhilevisitingthenamedinsured.
II.Aneighborhoodchildwhoisseverelyscratchedbyacatinthecareofthenamedinsured.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
C
QuestionStatus:
PreviousEdition
7)Allofthefollowingareconsideredinsuredlocationsformedicalpaymentstoothers(CoverageF)underahomeownerspolicyEXCEPT
A)anewvacationhomepurchasedbyaninsuredduringthepolicyperiod.
B)amotelroomwhereaninsuredistemporarilyresiding.
C)ahallrentedbytheinsuredforherdaughter'sgraduationparty.
D)farmlandownedbytheinsured.
Answer:
D
QuestionStatus:
PreviousEdition
8)SectionIIofthehomeownerspolicyhasexclusionsapplyingtoallofthefollowingEXCEPT
A)activitiesofthenamedinsured'sminorchildren.
B)businessactivities.
C)transmissionofacommunicabledisease.
D)intentionalinjuries.
Answer:
A
QuestionStatus:
PreviousEdition
9)AllofthefollowingsituationsareexcludedfromcoverageunderSectionIIofthehomeownerspolicyEXCEPT
A)therentalofasparebedroomwhichisusedbythetenantasanoffice.
B)theuseofarentedairplanetotakeavacation.
C)theownershipofaten-unitapartmenthouseasaninvestment.
D)theperformanceofprofessionalservicesbytheinsuredattheresidencepremises.
Answer:
A
QuestionStatus:
PreviousEdition
10)WhichofthefollowingsituationsiscoveredunderSectionIIofanunendorsedhomeownerspolicy?
A)injurieswhichoccurataparkresultingfromamotorcycleownedbytheinsured
B)injuriesresultingfromanautonotsubjecttoregistrationbecauseitisindeadstorage
C)injuriesresultingfromanautorentedbytheinsuredwhileonavacation
D)injuriesresultingfromatrailerbeingpulledbytheinsured'sauto
Answer:
B
QuestionStatus:
PreviousEdition
11)WhichofthefollowingstatementsregardingwatercraftliabilityunderSectionIIofanunendorsedHO-3policyis(are)true?
I.Nocoverageisavailableforwatercraftliability.
II.Liabilityarisingoutoftheuseofwatercraftthatareundercertainlengthandhorsepowerlimitsiscovered.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
12)WhichofthefollowingsituationswouldbecoveredunderSectionIIofahomeownerspolicy?
I.TheinsuredissuedbyhisgirlfriendbecauseheinfectedherwiththeAIDSvirus.
II.Theinsured'ssonissuedafterafriendsufferedseriousinjuryasaresultofusingillegaldrugssoldtohimbytheson.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
D
QuestionStatus:
PreviousEdition
13)Forwhichofthefollowingsituationswouldtherebepersonalliabilitycoverageunderthehomeownerspolicy?
I.Thenamedinsuredaccidentallyinjuresherhusbandwithachainsaw.
II.Thenamedinsuredbreakshiswife'svaluablevasewhilepracticinghisgolfswing.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
D
QuestionStatus:
PreviousEdition
14)Allofthefollowingareexclusionsinthehomeownerspolicythatapplytomedicalpaymentstoothers(CoverageF)EXCEPT
A)bodilyinjuryresultingfromnuclearradiation.
B)bodilyinjurytopersonswhoaresocialguestsattheinsuredlocation.
C)bodilyinjurytopersonseligibletoreceiveworkerscompensationbenefits.
D)bodilyinjurytoresidentsofthehouseholdwhoareinthecareofaninsured.
Answer:
B
QuestionStatus:
PreviousEdition
15)WhichofthefollowingstatementsabouttheadditionalcoveragesincludedinSectionIIofthehomeownerspolicyistrue?
A)Damagetopropertyofothersiscoveredonlyiftheinsuredislegallyliable.
B)Damagetopropertyarisingoutofabusinessengagedinbytheinsurediscovered.
C)Interestthataccruesonajudgmentafterthejudgmentisawardedbutbeforethejudgmentispaidiscoveredunderclaimsexpenses.
D)Firstaidexpensesincurredbytheinsuredforabodilyinjurycoveredunderthepolicyarenotcovered.
Answer:
C
QuestionStatus:
PreviousEdition
16)WhichofthefollowingstatementsabouttheadditionalcoveragefordamagetopropertyofothersinSectionIIofthehomeownerspolicyistrue?
A)Themaximumamountofcoverageis$25,000peroccurrence.
B)Paymentsaremadeonthebasisofthereplacementcostofthedamagedproperty.
C)Thereiscoverageforpropertydamagearisingoutofabusinessengagedinonafull-timebasisbyaninsured.
D)Thereiscoverageforintentionalpropertydamagebyanyinsuredwhoisateenager.
Answer:
B
QuestionStatus:
PreviousEdition
17)LiabilityarisingoutofallofthefollowingarecoveredunderthepersonalinjuryendorsementtothehomeownerspolicyEXCEPT
A)bodilyinjury.
B)maliciousprosecution.
C)slander.
D)invasionofprivacy.
Answer:
A
QuestionStatus:
PreviousEdition
18)LiabilityarisingoutofallofthefollowingarecoveredunderthepersonalinjuryendorsementtothehomeownerspolicyEXCEPT
A)propertydamage.
B)falsearrest.
C)libel.
D)slander.
Answer:
A
QuestionStatus:
PreviousEdition
19)Factorsthataffectthecostofhomeownersinsuranceincludewhichofthefollowing?
I.Constructionmaterial
II.Deductibleamount
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
C
QuestionStatus:
PreviousEdition
20)Whichofthefollowingstatementsaboutendorsementstothehomeownerspolicyis(are)true?
I.Thepurposeoftheinflationguardendorsementistohelppreventhomeownersfrombeingunder-insured.
II.ThepurposeofthewatercraftendorsementistoprovidecoverageforwatercraftwhentheyareusedoutsidetheUnitedStates.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
21)Whichofthefollowingstatementsaboutbuyinghomeownersinsuranceistrue?
A)Thereisnoreasontocarryinsuranceformorethan80percentofadwelling'sreplacementcost.
B)Thedeductionfordepreciationwillbeincreasedifapersonalpropertyreplacementcostendorsementispurchased.
C)Premiumsoftencanbereducedsubstantiallybyselectingahigherdeductible.
D)Thereislittlereasontocomparecostsincethelackofcompetitionresultsinlittlepricevariationamongcompanies.
Answer:
C
QuestionStatus:
Revised
22)Whichofthefollowingstatementsaboutanearthquakeendorsementforahomeownerspolicyis(are)true?
I.Theendorsementalsocoverslandslidesandvolcaniceruptions.
II.Thecoverageforearthquakesiswrittenwithoutadeductible.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
23)Whichofthefollowingstatementsaboutthepersonalpropertyreplacementcostendorsementusedwiththehomeownerspolicyis(are)true?
I.Thedamagedordestroyedpropertymustberepairedorreplaced,nomatterthesizeoftheloss.
II.Itisdesignedprimarilyforantiquesandfineart.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
D
QuestionStatus:
PreviousEdition
24)Whichofthefollowingstatementsaboutthescheduledpersonalpropertyendorsementtothehomeownerspolicyis(are)true?
I.Itprovidesnamed-perilscoverageonscheduleditems.
II.Itcanbeusedtoinsurevaluableitemssuchasjewelry,silverware,andcoincollections.
A)Ion
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