Question

Ensuing loss by fire, explosion or glass breakage resulting from earth movement is covered under a homeowners policy even though the earth movement itself is excluded. True or False?

Answer 1

The statement is true; homeowners policies usually cover ensuing losses such as fire or glass breakage caused by an excluded peril like earth movement.

Step-by-step explanation:

The statement is true. Homeowners policies typically exclude coverage for damage caused directly by earth movement, such as earthquakes or landslides.

However, if the earth movement leads to an ensuing loss, like a house fire, explosion or glass breakage, this type of damage is generally covered. It's essential to carefully review the specific terms and coverages of a homeowners policy to understand what risks are covered and which are excluded.