Question

All of the following are general exclusions under Section 1 of the Homeowners 3 policy except:

a) Losses resulting from earthquakes
b) Losses resulting from floods
c) Losses resulting from a power failure caused by an insured peril at the residence premises
d) Losses resulting from war

Answer 1

The general exclusion under Section 1 of the Homeowners 3 policy that does not apply is losses from a power failure caused by an insured peril at the residence premises. Earthquakes, floods, and war-related losses are typically not covered by this policy.

Step-by-step explanation:

Among the general exclusions under Section 1 of the Homeowners 3 policy, the one that is not an exclusion is c) Losses resulting from a power failure caused by an insured peril at the residence premises. This means that if the power failure is directly caused by an insured event, such as a fire at the residence, the policy would likely cover it. In contrast, the policy generally excludes losses resulting from earthquakes, floods, and war as these are typically extraordinary events that require additional coverage or separate policies.