Final answer:
Loss (a), where the named insured's son damages the family's garage with a garden tractor, would NOT be recoverable under Section II of the Homeowners Policy as it is damage to the insured's own property caused by a family member.
Step-by-step explanation:
In the context of a homeowners policy, Section II generally covers personal liability and medical payments to others when accidents occur. To answer the question: Which of the following losses would NOT be recoverable under Section II of the Homeowners Policy? Let's consider each scenario.
- (a) The named insured's son damages the family's garage with a garden tractor. - This is not covered as homeowners policies usually exclude damage to the insured's own property caused by family members.
- (b) A delivery man trips over a toy left on the porch of the insured's dwelling. - This could be covered as it involves a third party getting injured on the property.
- (c) The named insured's dog damages the front screen door of a neighbor's house. - This may be covered since it involves property damage caused by an insured's pet to a third party's property.
- (d) The named insured's small daughter hits a friend with a stick. - Typically, this would be covered under the personal liability section, as it involves injury to a third party.
Therefore, the loss that would NOT be recoverable under Section II of the Homeowners Policy, based on the provided information, would be (a) The named insured's son damages the family's garage with a garden tractor.