Question

Which of the following coverages is included in an unendorsed homeowners policy?

A.) Fungi, wet or dry rot, or bacteria
B.) Earthquake
C.) Medical payment to others
D.) Personal property replacement coverage

Answer 1

An unendorsed homeowner's policy includes medical payment to others and personal property replacement coverage, but excludes fungi, wet or dry rot, bacteria, and earthquake.

Step-by-step explanation:

In an unendorsed homeowner's policy, the coverage that is included are:

1. Medical payment to others: This coverage provides protection if someone gets injured in your property and needs medical treatment.
2. Personal property replacement coverage: This coverage reimburses you for the cost of replacing your personal belongings if they are damaged or stolen.

As for the other options:

1. Fungi, wet or dry rot, or bacteria: This coverage is typically excluded or requires an additional endorsement.
2. Earthquake: Earthquake coverage is typically not included in standard homeowners' policies, and you would need to add an earthquake endorsement or separate policy for this.