Question

Ordinance or law coverage in a homeowner's policy applies to which of the following?

1) City law requires dogs to be leashed
2) Your dog is unleashed and bites someone in the park
3) City ordinance requires swimming pools to be fenced and have self-closing gates. Your gate is not self-closing and a neighbor's child falls in the pool and is seriously hurt
4) Your house burns down and you incur more costs as you must rebuild the house to code

Answer 1

The scenario where ordinance or law coverage in a homeowner's policy would apply is when a house must be rebuilt to current building codes after being destroyed, such as when a house burns down.

Step-by-step explanation:

Ordinance or law coverage in a homeowner's policy refers to insurance coverage that provides for the additional cost of rebuilding or repairing a home so that it complies with the current building codes after a covered loss. Among the given options, the scenario that applies to ordinance or law coverage would be if your house burns down and you incur more costs as you must rebuild the house to code. This is because the regulations and ordinances that would require updates to building standards come into play when rebuilding after a loss, and additional costs may be incurred to meet these new requirements.

Scenarios involving dog leashes or the absence of a self-closing gate on a swimming pool are more related to liability coverage. They do not directly relate to the ordinances affecting the structure or rebuilding processes of your home. Hence, these scenarios are not typically covered under ordinance or law coverage but could be covered under different parts of a homeowner's policy.