Texas General Lines — Property and CasualtyPersonal LinesEasy
A homeowner has an HO-3 Special Form policy. A sudden, unexpected pipe burst in their kitchen causes significant water damage to the cabinets and flooring. Which part of their policy would primarily cover the repair costs for the damaged cabinets and flooring?
- ACoverage D - Loss of Use
- BCoverage C - Personal Property
- CCoverage B - Other Structures
- DCoverage A - Dwelling
Show answer & explanationAnswer & explanation
Correct answer: D. Coverage A - Dwelling
Coverage A - Dwelling covers the dwelling structure itself, including attached structures and fixtures like cabinets and flooring. A sudden pipe burst is typically a covered peril under an HO-3 policy.
Why the other options are wrong
- A. Coverage D provides for additional living expenses if the home is uninhabitable due to a covered loss.
- B. Coverage C is for personal belongings, not the structure itself.
- C. Coverage B is for structures separate from the main dwelling, like a detached garage.
HO-3 Coverage A (Dwelling)
Coverage A under an HO-3 policy insures the dwelling and attached structures, including fixtures, against all perils not specifically excluded.
- Covers the main house structure.
- Includes attached garages, decks, and built-in appliances.
- Typically 'open perils' coverage for the dwelling.
Memory trick: An HO-3 policy is like a house with four protective walls.