Question

For a HO-3 policy, what peril(s) are covered for personal property?(1 point)
Responses

a flood
a flood

all perils
all perils

an earthquake
an earthquake

16 common perils

Answer 1

For a HO-3 policy, the coverage for personal property typically includes coverage for "named perils." However, a standard HO-3 policy primarily covers the dwelling for all perils except for specific exclusions, while personal property is usually covered for a limited set of named perils.

The correct answer regarding personal property for an HO-3 policy, therefore, is:

**16 common perils**