An insurance policy written on a special (open) perils basis includes losses caused by<\/p>\n
Dishonesty of the insured<\/p>\n
Theft<\/p>\n
Wear and Tear<\/p>\n
Inherent vice or defect<\/p>\n
Under the condominium Unit-Owners Form of a Homeowners Policy, all of the following are covered EXCEPT<\/p>\n
Real property pertaining exclusively to the residence premises<\/p>\n
Property which is the insured’s responsibility under an association’s agreement<\/p>\n
Personal property of the insured while it is anywhere in the world.<\/p>\n
Common grounds used by the insured which are adjacent to the insured’s property<\/p>\n
The voluntary giving up of a known right is called<\/p>\n
An indemnity<\/p>\n
A warranty<\/p>\n
A waiver<\/p>\n
An estoppel<\/p>\n
Under the Dwelling Policy, for replacement cost coverage to apply, what percent of the value of the building at the time of loss must be insured?<\/p>\n
100%<\/p>\n
95%<\/p>\n
90%<\/p>\n
80%<\/p>\n
The Broad Form Dwelling Policy protects against all of the following perils EXCEPT<\/p>\n
Smoke from a fireplace<\/p>\n
Damage caused by burglars<\/p>\n
Weight of ice, snow, or sleet<\/p>\n
Smoke damage from industrial operations<\/p>\n
Fire is a <\/p>\n
Hazard<\/p>\n
Condition<\/p>\n
Cause of loss<\/p>\n
Loss<\/p>\n
A valid contract requires all of the following EXCEPT<\/p>\n
Competent parties<\/p>\n
Consideration<\/p>\n
Written evidence<\/p>\n
Offer and acceptance<\/p>\n
Under the Building and Personal Property Coverage Form of the Commercial Property Policy, which one of the following is NOT a duty of the named insured in the event of loss or damage to covered property?<\/p>\n
Notify the police if a law may have been broken<\/p>\n
Take all reasonable steps to protect the covered property from further damage<\/p>\n
Cooperate with the investigation of the loss<\/p>\n
Initiate subrogation against the responsible party<\/p>\n
The conditions section of a liability insurance policy includes the <\/p>\n
Duties of the insurer and the insured<\/p>\n
Individuals and property not covered by the policy<\/p>\n
Promise by the insurer to investigate, defend, and settle any suits brought against the insured<\/p>\n
Promise by the insurer to pay any sums which the insured becomes legally obligated to pay.<\/p>\n
Under the Motor Carrier Act of 1980, the Department of Transportation is authorized to issue financial responsibility requirements for motor carriers. These financial requirements are most commonly met by<\/p>\n
Posting a surety bond<\/p>\n
Purchasing insurance<\/p>\n
Retention<\/p>\n
Filing a financial statement<\/p>\n
Under the Business Income Coverage Property Policy, the extra expense coverage will pay expenses incurred for all of the following EXCEPT<\/p>\n
Minimizing the suspension of business<\/p>\n
Operating at temporary locations<\/p>\n
Relocating to a replacement premises<\/p>\n
Continuing normal operating expenses<\/p>\n
In the Personal Auto Policy, the definition of a covered auto includes all of the following EXCEPT<\/p>\n
A non-owned vehicle furnished to the insured for regular use<\/p>\n
A trailer which is owned by the insured<\/p>\n
A private passenger auto described in the policy declarations<\/p>\n
A temporary substitute auto to replace an owned auto being repaired.<\/p>\n
Which bond guarantees a person’s appearance in court?<\/p>\n
Performance bond<\/p>\n
Fiduciary bond<\/p>\n
Bail bond<\/p>\n
Injunction bond<\/p>\n
Under the Commercial Property Policy, the Extra Expense ONLY Coverage Form covers?<\/p>\n
Net income that would have been earned<\/p>\n
Necessary additional expenses incurred during a period of restoration<\/p>\n
Net losses that would have been incurred<\/p>\n
Continuing normal operating expenses<\/p>\n
Which one of the following statements is true about the supplementary payments under the Personal Auto Policy?<\/p>\n
These payments are in addition to the policy’s limit of liability<\/p>\n
These payments are optional coverages for the insured<\/p>\n
An additional premium is required to obtain these coverages<\/p>\n
A deductible applies to supplementary payments.<\/p>\n
The Homeowners HO-2 Policy provides coverage for damage caused by the weight of ice, snow, or sleet to a <\/p>\n
Fence<\/p>\n
Garage<\/p>\n
Patio<\/p>\n
Dock<\/p>\n
The limit of insurance for any one person in the Commercial General Liability Policy applies to which one of the following coverages<\/p>\n
Medical payments<\/p>\n
Fire damage limit<\/p>\n
Products-completed operations<\/p>\n
Supplementary payments<\/p>\n
The declarations section in a property policy includes<\/p>\n
Causes of loss which are not covered<\/p>\n
The insurer’s promise to pay all valid claims<\/p>\n
The insured’s promise to pay future premiums<\/p>\n
The limits of coverage<\/p>\n
Most personal umbrella policies provide coverage for:<\/p>\n
Officer or director liability<\/p>\n
Libel and slander<\/p>\n
Businessowners liability<\/p>\n
Ownership, maintenance, or use of aircraft<\/p>\n
In property policies, the replacement cost provision requires the insured to maintain insurance that equals or exceeds a specified percentage of a building’s:<\/p>\n
Actual cash value<\/p>\n
Replacement cost<\/p>\n
Replacement cost minus depreciation<\/p>\n
Original cost<\/p>\n
Under the Broad Form Dwelling Policy, which one of the following is true?<\/p>\n
It provides open perils coverage on the dwelling<\/p>\n
It includes replacement cost coverage on the dwelling<\/p>\n
It includes liability coverage<\/p>\n
It covers damage caused by nuclear contamination<\/p>\n
Who can enter into a contract that is enforceable by both parties?<\/p>\n
A person who signs under threat of harm<\/p>\n
An elementary school child<\/p>\n
A person who is intoxicated<\/p>\n
A person adjudged sane<\/p>\n
Which is the best example of an unoccupied dwelling?<\/p>\n
A house with furniture and fixtures but without occupants<\/p>\n
A house without furniture, fixtures, or occupants<\/p>\n
A dwelling under construction and without furniture or fixtures<\/p>\n
An unfurnished apartment held for rental<\/p>\n
The statement “We will pay those sums that the insured becomes legally obligated to pay as damages because of ‘bodily injury’ or ‘property damage’\u2026” is found in which part of a liability policy?<\/p>\n
Declarations<\/p>\n
Conditions<\/p>\n
Insuring agreement<\/p>\n
Schedule<\/p>\n
The medical payments coverage under the Farm Liability Coverage Form includes all of the following EXCEPT<\/p>\n
First aid at the time of the accident<\/p>\n
Rehabilitation expenses<\/p>\n
Necessary hospital services<\/p>\n
Necessary ambulance service<\/p>\n
Under the Building and Personal Property Coverage Form of the Commercial Property, Policy coverage is reduced for certain causes of loss if the building has been<\/p>\n
Unoccupied for more than 60 consecutive days before the loss<\/p>\n
Vacant for more than 60 consecutive days before the loss<\/p>\n
Occupied for less than 30 consecutive days before the loss<\/p>\n
Vacant or unoccupied for more than 30 consecutive days before the loss.<\/p>\n
Under a Businessowners Policy, all of the following are pollutants EXCEPT<\/p>\n
Fumes<\/p>\n
Soot<\/p>\n
Smoke<\/p>\n
Fire<\/p>\n
Under the Commercial General Liability Policy, the definition of personal injury includes all of the following EXCEPT<\/p>\n
False arrest<\/p>\n
Invasion of privacy<\/p>\n
Malicious prosecution<\/p>\n
Assault and battery<\/p>\n
Coverage C \u2013 Personal Property of a Homeowners Policy covers losses incurred by all of the following EXCEPT<\/p>\n
Boarders are not related to the insured<\/p>\n
Children of the insured while attending college<\/p>\n
The insured while traveling for business<\/p>\n
The insured, while residing in a vacation home<\/p>\n
An insured has a liability policy that applies to a boat on an excess basis. The insured also has a boatowners policy that covers the boat. How will the liability coverage of the boatowners policy apply?<\/p>\n
On a pro-rata basis<\/p>\n
On an excess basis<\/p>\n
On a primary basis<\/p>\n
On an equal shares’ basis<\/p>\n
The limit of liability for a property policy is usually found in the <\/p>\n
Declarations<\/p>\n
Conditions<\/p>\n
Insuring agreement<\/p>\n
Endorsements<\/p>\n
Under the products-completed operations coverage of the commercial General Liability Policy, all of the following may be covered EXCEPT<\/p>\n
Property damage to the named insured’s products<\/p>\n
Property damage caused by the named insured’s products.<\/p>\n
Loss of use of tangible property due to the named insured’s products<\/p>\n
Bodily injury caused by the named insured’s products<\/p>\n
The personal liability supplement to the dwelling policy provides coverage for<\/p>\n
Personal Injury<\/p>\n
Business pursuits<\/p>\n
Permitted incidental occupancies<\/p>\n
Bodily injury and property damage<\/p>\n
A building is covered under a Commercial Property Policy with replacement cost and a building limit of $250,000. If the building is destroyed by fire and rebuilt in another location, the insurer will pay?<\/p>\n
The cost that would have been incurred to rebuild at the original location not to exceed $250,000<\/p>\n
The actual cash value of the original building<\/p>\n
Nothing because not rebuilding at the original location<\/p>\n
$250,000 but will retain title to the original location.<\/p>\n
Under a property policy, duties of the insured in the event of loss include all of the following EXCEPT<\/p>\n
Submit a proof of loss<\/p>\n
Prepare an inventory if requested<\/p>\n
Abandon the property to the insurer<\/p>\n
Submit to examination under oath if requested by the insurer.<\/p>\n
Carriers who transport goods of others as opposed to transporting their own goods should purchase a <\/p>\n
Business auto policy<\/p>\n
Truckers’ policy<\/p>\n
Garage policy<\/p>\n
Personal auto policy<\/p>\n
Uninsured and underinsured motorist coverage provides protection for all of the following EXCEPT?<\/p>\n
The owner of the uninsured auto<\/p>\n
The named insured as a passenger in any auto<\/p>\n
A relative in the insured’s household struck while crossing the street<\/p>\n
The named insured’s child as the driver of the insured auto<\/p>\n
The insured’s duties in the event of an employee injury include all of the following EXCEPT<\/p>\n
Promptly giving the insurer notice of the injury<\/p>\n
Providing immediate medical attention to the injured employee<\/p>\n
Making all payments immediately after expenses are incurred<\/p>\n
Cooperating with the insurer in the investigation of the claim<\/p>\n
When an employee dies as a result of a work-related injury, the workers compensation benefits for the employee’s dependent children are payable<\/p>\n
For life<\/p>\n
Until age 18, or longer when the child is a full-time student<\/p>\n
Until the surviving spouse remarries<\/p>\n
Only if the employee’s spouse is also decreased.<\/p>\n
Generally, a misrepresentation is considered “material” if:<\/p>\n
The subject is tangible property<\/p>\n
The subject is worth at least a specified minimum value<\/p>\n
The insurer would have issued a policy with a small premium increase had the complete facts been given<\/p>\n
Knowledge of the true facts would have resulted in the issuance of a policy with substantially different terms.<\/p>\n
Medical expenses would be covered by the medical payments coverage on a Homeowners Policy for bodily injuries to<\/p>\n
The insured<\/p>\n
The insured’s parents living in the home<\/p>\n
An overnight guest of the insured<\/p>\n
The insured’s child while home on vacation from college<\/p>\n
What three exposures is a Personal Auto Policy designed to cover?<\/p>\n
Liability, personal injury to insureds, and damage to an insured vehicle<\/p>\n
Operations, premises, and completed operations<\/p>\n
Personal injury to insureds, bodily injury, and property damage.<\/p>\n
Physical, moral, and morale<\/p>\n
Under an unendorsed auto policy, losses are covered in all of the following places EXCEPT<\/p>\n
The United States<\/p>\n
Puerto Rico<\/p>\n
Canada<\/p>\n
Mexico<\/p>\n
All of the following are true of insurance EXCEPT<\/p>\n
It transfers risk<\/p>\n
It is a means of sharing losses<\/p>\n
It eliminates risk<\/p>\n
It protects against uncertainty<\/p>\n
An insurance policy could be issued to cover losses resulting from any of the following EXCEPT<\/p>\n
A drug smuggling operation<\/p>\n
A skydiving exhibition<\/p>\n
A state-sponsored centennial celebration<\/p>\n
A nuclear power plant<\/p>\n
Under Part A \u2013 Liability Coverage of the Personal Auto Policy, if a person is driving a covered auto of the insured with permission, all of the following losses are covered EXCEPT<\/p>\n
Damage to another auto<\/p>\n
Damage to a private garage rented by the person<\/p>\n
Damage to a neighbor’s house<\/p>\n
Damage to property being transported by the person<\/p>\n
Which of the following has the greatest impact on a workers compensation experience modification factor?<\/p>\n
Severity of losses<\/p>\n
Frequency of losses<\/p>\n
Type of losses<\/p>\n
Loss projections<\/p>\n
Which of the following describes the policy period of an annual policy?<\/p>\n
One year from the date the insurer or producer receives the policy premium<\/p>\n
One year from the date the producer binds coverage<\/p>\n
One year plus 30 days from the inception date shown on the policy<\/p>\n
One year from the date the policy is typed and signed by the producer.<\/p>\n
The Garagekeepers Coverage under the Garage Coverage For<\/p>\n
Covers damage to products held for sale<\/p>\n
Replaces the Garage Liability Policy<\/p>\n
Covers damage to customers’ vehicles in the insured’s care, custody, or control<\/p>\n
Covers owned vehicles on a primary basis.<\/p>\n
In the event of a loss, which part of a property policy specifies the duties and rights of the insured?<\/p>\n
Conditions<\/p>\n
Exclusions<\/p>\n
Declarations<\/p>\n
Insuring agreements<\/p>\n
The Homeowners HO-3 Policy covers direct physical loss to a residence premises caused by<\/p>\n
Birds<\/p>\n
Vehicles<\/p>\n
Rodents<\/p>\n
Inherent vice<\/p>\n
Under the Building and Personal Property Coverage Form of the Commercial Property Policy, all of the following are considered parts of a covered building EXCEPT<\/p>\n
Outdoor fixtures<\/p>\n
Permanently installed fixtures<\/p>\n
Completed additions<\/p>\n
Underground pipes, flues, or drains.<\/p>\n
The earth movement general exclusion in the Dwelling policy excludes coverage for a direct loss caused by any of the following EXCEPT<\/p>\n
Landslide<\/p>\n
Mudflow<\/p>\n
Earth sinking<\/p>\n
Explosion <\/p>\n
To recover for a property loss under a Homeowners Policy, an insured is required to do all of the following EXCEPT<\/p>\n
Retain a public adjuster and initiate an investigation<\/p>\n
Give prompt notice to the insurer or producer<\/p>\n
Allow the insurer to inspect the damaged property<\/p>\n
Inform the insurer of any liens against the property<\/p>\n
Injuries resulting from professional services covered by a Medical Professional Liability Policy include all of the following EXCEPT<\/p>\n
Invasion of privacy<\/p>\n
Pain and suffering<\/p>\n
Physical injury from slipping on the office steps<\/p>\n
Slander by a breach of professional confidentiality<\/p>\n
Which one of the following describes a consequential loss?<\/p>\n
A burglar steals a valuable antique vase<\/p>\n
A windstorm blows a tree over and damages a roof<\/p>\n
An explosion results in damages to property belonging to others<\/p>\n
A fire damages an apartment building causing loss of rental income<\/p>\n
An automatic increase in insurance endorsement to the Dwelling policy increases the limits for Coverages<\/p>\n
A and B<\/p>\n
B and C<\/p>\n
C and D<\/p>\n
D and E<\/p>\n
How do workers compensation regulations classify the disability of an inured employee who is completely unable to work immediately following the accident, but is expected to recover fully?<\/p>\n
Permanent partial<\/p>\n
Permanent total<\/p>\n
Temporary partial<\/p>\n
Temporary total<\/p>\n
Which one of the following is covered under the Special Form Dwelling Policy?<\/p>\n
Deterioration<\/p>\n
Smog<\/p>\n
Cracking of the foundation<\/p>\n
Damage to covered property caused by burglars<\/p>\n
Under the Builders Risk Coverage Form of the Commercial Property Policy, the coverage extension that applies to building materials and supplies of others stipulates that this property must<\/p>\n
Be intended to become a permanent part of the building<\/p>\n
Be more than 100 feet away from the building<\/p>\n
Be scheduled on an endorsement to the policy<\/p>\n
Not be within the named insured’s care, custody, or control<\/p>\n
Under the Farm Liability Coverage Form, all of the following are covered without an endorsement EXCEPT<\/p>\n
Medical payments<\/p>\n
Personal injury liability<\/p>\n
Property damage liability<\/p>\n
Workers compensation liability<\/p>\n
For an additional premium charge, the Personal Property Replacement Cost Endorsement to a Homeowners Policy will pay for losses on a replacement cost basis for all of the following, EXCEPT<\/p>\n
Household appliances<\/p>\n
Pets<\/p>\n
Outdoor antennas<\/p>\n
Carpeting<\/p>\n
Under the Special Form Dwelling Policy, all of the following are true EXCEPT<\/p>\n
Contents are covered on the same basis as in the broad form<\/p>\n
The dwelling must be insured to 100% of the value<\/p>\n
The dwelling is covered by the open perils<\/p>\n
Replacement cost coverage applied to the dwelling only<\/p>\n
In a Commercial Package Policy (CPP), who is responsible for payment of all premiums<\/p>\n
Any named insured<\/p>\n
All named insureds<\/p>\n
The first named insured<\/p>\n
The first two named insureds<\/p>\n
If policy A states that it will pay after payment by other applicable policies, Policy A is<\/p>\n
Excess<\/p>\n
Primary<\/p>\n
Pro-rata<\/p>\n
Reinsurance<\/p>\n
The coverage form most frequently used for insuring auto fleets of a commercial business is the<\/p>\n
Umbrella Liability Coverage Form<\/p>\n
Business Auto Coverage Form<\/p>\n
Employers Non-ownership Liability Coverage Form<\/p>\n
Commercial General Liability Coverage Form<\/p>\n
An Earthquake Endorsement to a Homeowners Policy defines a single earthquake as all earthquake shocks that occur within a <\/p>\n
12-hour period<\/p>\n
24-hour period<\/p>\n
48-hour period<\/p>\n
72-hour period<\/p>\n
Under section I (Property) of a Homeowners Policy, there are special limits of liability for loss of<\/p>\n
Stereo equipment<\/p>\n
Money<\/p>\n
Cookware<\/p>\n
Furniture<\/p>\n
Under section I (Property) of a Homeowners Policy, all of the following are covered EXCEPT<\/p>\n
The dwelling<\/p>\n
A detached garage<\/p>\n
Personal property within the dwelling<\/p>\n
Books of accounts and other paper records containing business data<\/p>\n
Medical payments under a Commercial General Liability Policy cover all of the following EXCEPT<\/p>\n
Medical expenses incurred within one year after the occurrence<\/p>\n
Bodily injury caused by a condition on the insured premises<\/p>\n
Bodily injury of an employee during the course of employment<\/p>\n
Bodily injury arising out of operations of the insured’s business<\/p>\n
Which one of the following is an Insuring Agreement in a Commercial Crime Coverage Form?<\/p>\n
Mercantile open stock<\/p>\n
Commercial blanket bond<\/p>\n
Innkeeper’s liability<\/p>\n
Forgery or alteration<\/p>\n
Under the Building and Personal Property Coverage Form of the Commercial Property Policy, the initial notice of loss must be made to the insurer<\/p>\n
Immediately and in writing<\/p>\n
Promptly but need not be in writing<\/p>\n
Within 1- day of loss but need not be in writing<\/p>\n
Within 10 days of loss and in writing<\/p>\n
Coverage C \u2013 Personal Property of a Homeowners Policy is extended to all of the following EXCEPT<\/p>\n
Property borrowed for use by the insured<\/p>\n
Machinery used in maintenance of the premises<\/p>\n
Pets owned by the insured<\/p>\n
Clothing of a child living in a college dormitory<\/p>\n
Bonds used in connection with court proceedings are called<\/p>\n
Contract bonds<\/p>\n
Performance bonds<\/p>\n
Supply bonds<\/p>\n
Judicial bonds<\/p>\n
Which water damage loss would be covered by a Basic Dwelling Policy with intended coverage?<\/p>\n
Water which seeps through a building foundation<\/p>\n
Water which leaks through a roof damaged by hail<\/p>\n
Overflow from a sump<\/p>\n
Overflow from a river <\/p>\n
Coverage B \u2013 Other Structures of the Homeowners Policy EXCLUDES coverage for a garage when used by<\/p>\n
A tenant for a private garage<\/p>\n
An insured for storage of lawn tools<\/p>\n
A non-tenant for storing mercantile goods<\/p>\n
A tenant of the dwelling for gardening supplies<\/p>\n
Coverage E \u2013 Personal Liability of a Homeowners Policy covers bodily injury due to<\/p>\n
Business pursuits liability<\/p>\n
Professional services liability<\/p>\n
Workers compensation liability<\/p>\n
Premises liability<\/p>\n
The Homeowners HO-3 Policy covers direct physical losses to a dwelling caused by<\/p>\n
Falling objects<\/p>\n
Smog<\/p>\n
Rust<\/p>\n
Latent defects<\/p>\n
In the Commercial Package Policy (CPP), the first named insured.<\/p>\n
Has the same authorization to cancel the policy as the other named insureds<\/p>\n
Is the only named insured authorized to cancel the policy<\/p>\n
Needs the signature of one other named insured to cancel the policy<\/p>\n
Can only cancel the policy with the signatures of all named insureds<\/p>\n
Which is true about the deductibles under the Personal Auto Policy for Part D \u2013 Coverage for Damage to Your Auto?<\/p>\n
They lower premiums<\/p>\n
They prevent overlapping of coverage<\/p>\n
They encourage insurance to value<\/p>\n
They apply only to collision <\/p>\n
An insured who has a Commercial Property Policy rents a trailer that is later stolen from the insured premises. Coverage is provided in all of the following situations EXCEPT<\/p>\n
When the insured is contractually obligated to pay for damage<\/p>\n
When the trailer is in the insured’s care, custody, and control<\/p>\n
When the insured has business personal property coverage<\/p>\n
When the trailer is attached to a motor vehicle<\/p>\n
When a Dwelling Policy in Maryland is canceled by the insurer for reasons other than non-payment of premium<\/p>\n
There is no return premium<\/p>\n
The return premium is short rate<\/p>\n
The return premium is pro rata<\/p>\n
The return premium is 50% of the annual premium<\/p>\n
A hazard is defined as a condition which<\/p>\n
Causes a loss<\/p>\n
Increases the chance of a loss<\/p>\n
Eliminates the chance of a loss<\/p>\n
Reduces the chance of a loss<\/p>\n
When the insurer terminates a policy on its expiration date, it is called<\/p>\n
Non-renewal<\/p>\n
Assignment<\/p>\n
Cancellation <\/p>\n
Estoppel<\/p>\n
When the replacement cost of an entire loss is more than $500, payment under the Homeowners Policy Personal Property Replacement Cost Endorsement is limited to the actual cash value unless the<\/p>\n
Actual repair or replacement has been completed<\/p>\n
Estimates for the replacement have been completed<\/p>\n
Replacement item has been ordered<\/p>\n
Insurer has received the billing for the replacement or repair<\/p>\n
Under the Medical Expense and Income Loss Benefits Coverage endorsement of a Personal Auto Policy, loss of income as a result of an automobile accident is computed from the<\/p>\n
First work day lost<\/p>\n
Second work day lost<\/p>\n
Third work day lost<\/p>\n
Tenth work day lost<\/p>\n
Which one of the following is a requirement of an insurable risk?<\/p>\n
The loss must be intentional<\/p>\n
The loss must be catastrophic<\/p>\n
The chance of loss must be calculable<\/p>\n
There must be a large number of different loss exposures<\/p>\n
Under a Homeowners Policy, if fire damage makes an insured dwelling uninhabitable, the insured may be compensated for additional living expense under which one of the following coverages?<\/p>\n
Dwelling<\/p>\n
Personal property<\/p>\n
Personal liability<\/p>\n
Loss of use<\/p>\n
When someone is held legally liable regardless of fault or negligence, this is known as<\/p>\n
Contributory liability<\/p>\n
Absolute liability<\/p>\n
General liability<\/p>\n
Comparative liability<\/p>\n
A business is often required to buy a license and permit bond to guarantee that the business will<\/p>\n
Sell products that are safe for use<\/p>\n
Avoid unfair competition practices<\/p>\n
Maintain adequate public liability insurance limits<\/p>\n
Comply with statutes or ordinances that regulate its activities<\/p>\n","protected":false},"excerpt":{"rendered":"
An insurance policy written on a special (open) perils basis includes losses caused by Dishonesty of the insured Theft Wear and Tear Inherent vice or defect Under the condominium Unit-Owners Form of a Homeowners Policy, all of the following are covered EXCEPT Real property pertaining exclusively to the residence premises Property which is the insured’s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[10],"class_list":["post-78321","post","type-post","status-publish","format-standard","hentry","category-research-paper-writing","tag-writing"],"_links":{"self":[{"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/posts\/78321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/comments?post=78321"}],"version-history":[{"count":0,"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/posts\/78321\/revisions"}],"wp:attachment":[{"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/media?parent=78321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/categories?post=78321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/papersspot.com\/blog\/wp-json\/wp\/v2\/tags?post=78321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}