风险管理与保险原理 课后题答案part15.docx

风险管理与保险原理 课后题答案part15
CHAPTER 15
Risk Management for Homeowners HOMEOWNERS’ PROGRAM: DEVELOPMENT
Concis Loss Assessment
Ordinance or Law
Grave Markers
Special Conditions in Homeowners’ Property Coverages
Loss Settlement Clause
Pair-and-Set Clause
PERILS COVERED IN HOMEOWNERS’ INSURANCE
Open-Perils Dwelling Exclusions
Freezing
Fences, Pavement, Patios, and Similar Structures
Buildings under Construction
Vacancy beyond 30 Days


Mold, Fungus or Wet Rot
General Open-Perils Exclusion
All-Property Exclusions
Concurrent Causation
Named-Perils Protection
Fire and Lightning
Windstorm and Hail
Explosion
Riot and Civil Commotion, Aircraft, and Vehicles
Smoke
Vandalism or Malicious Mischief
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CHAPTER 15
Risk Management for Homeowners HOMEOWNERS’ PROGRAM: DEVELOPMENT
Concise Language
Multiple-Line
Minimum Amount of Coverage
Lower Cost
OUTLINE OF HOMEOWNERS’ COVERAGES


ANALYSIS OF HOMEOWNERS’ POLICY
HO-3 Coverage A—Dwelling
HO-3 Coverage B—Other Structures
HO-3 Coverage C—Unscheduled Personal Property
HO-3—Property Excluded
HO