Question

Lucia had a homeowner's insurance policy on her house. While she was away on vacation, her porch got burned to the ground. After the fire, her house was burglarized and goods worth thousands of dollars were stolen from it. When Lucia arrived home, she called the police. While a police officer was interviewing her in her dining room, a chandelier fell on him and knocked him unconscious. Which losses will Lucia's homeowner's policy cover?

a. The losses due to theft and the injuries sustained by the officer, but not the losses incurred by the fire.
b. The losses due to fire and the injuries sustained by the officer, but not the losses incurred by theft.
c. The losses incurred due to fire and theft, but not the injuries suffered by the police officer while on her property.
d. The losses incurred due to fire and theft as well as the injuries suffered by the police officer while on her property.

Answer 1

Lucia's homeowner's insurance will likely cover the fire and theft losses, as well as the police officer's injuries, as these types of incidents are usually included in standard homeowner's insurance policies, which cover dwelling damage, personal property, and liability protections.

Step-by-step explanation:

Lucia's homeowner's insurance policy is likely to cover a variety of incidents that impact her home and possessions. Concerning Lucia's situation, where her porch was burned, her house burglarized, and a police officer injured on her property, most standard homeowner's insurance policies would indeed cover these occurrences.

Homeowner's insurance typically provides coverage for dwelling damage, like the loss due to fire, as well as personal property losses, such as the goods stolen during the burglary. Regarding the injury sustained by the police officer, that falls under the liability protection part of a standard homeowner's policy, which covers medical expenses when someone is injured on the policyholder's property.

Therefore, the correct answer is: d. The losses incurred due to fire and theft as well as the injuries suffered by the police officer while on her property. The policy should cover the structural damage caused by the fire, the replacement of stolen items due to the burglary, and the medical expenses for the officer's injuries.