Question

Susan is insured with a homeowners policy. After someone destroyed her late husband's gravestone with a vehicle, Susan filed a claim against her homeowners policy. Which of the following statements is TRUE?

Option 1: The claim will be covered because it is a covered peril.
Option 2: The claim will be denied as intentional acts are not covered.
Option 3: The claim will be covered only if the vehicle is insured by the same company.
Option 4: The claim will be covered if Susan has an umbrella policy.

Answer 1

The claim will be denied as intentional acts are not covered. Correct option is 2.

Step-by-step explanation:

The correct statement is Option 2: The claim will be denied as intentional acts are not covered.

Homeowners insurance policies typically cover specific perils or events that cause damage to the home or its contents. Intentional acts, such as the destruction of property, are usually not covered as they are considered deliberate actions.

In this case, since someone intentionally destroyed Susan's late husband's gravestone with a vehicle, the claim will likely be denied by her homeowners insurance policy.