Which of the following risks are covered by homeowners insurance?

Which of the following risks are covered by homeowners insurance?

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

Which type of insurance policy would someone get to protect others only?

Aug 23, 2021 — The type of insurance that some would get to protect others only is LIFE INSURANCE.

What determines your insurance premium?

Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.

What type of property does a personal floaters policy cover?

Floater insurance is a type of insurance policy that covers personal property that is easily movable and provides additional coverage over what normal insurance policies do not. Also known as a “personal property floater,” it can cover anything from jewelry and furs to expensive stereo equipment.

Which of the following homeowners coverage does not have a deductible?

Which of the following homeowners coverage does not have a deductible? Damage to property of Others is an Additional Coverage under Section II, which is not subject to a deductible. A guest falls in K’s house and is injured in an amount of $1,000.

Does house insurance cover structural damage?

Does home insurance cover structural problems? Unfortunately, home insurance policies usually don’t cover any damage caused to your home by structural problems, and termite damage is also usually not covered by home insurance policies.

What are the 2 types of losses in insurance?

Thus, insurers distinguish between two types of damage: primary or direct damage, such as destruction by fire, and indirect or consequential loss, such as a cessation of business due to the fire.

What is an example of an indirect loss?

An indirect loss happens as a result of a direct loss. For example, a restaurant is damaged by a fire (direct loss), and then the restaurant loses income, because it cannot serve food.

What is a consequential loss example?

For example, if a natural disaster or accident causes damage to a shop and it is therefore unable to trade, this loss of revenue would be considered a consequential loss. Oct 12, 2015

Is concrete a code?

IS: 456 – code of practice for plain and reinforced concrete.

Is 875 a part?

NOTE: 1 – This standard IS:875 (Part 3)-1987 does not apply to buildings or structures with unconventional shapes, unusual locations, and abnormal environmental conditions that have not been covered in this Code. Special investigations are necessary in such cases to establish wind loads and their effects.

Is earthquake a code?

Today, the Bureau of Indian Standards (BIS) has the following seismic codes: IS 1893 (Part I), 2002, Indian Standard Criteria for Earthquake Resistant Design of Structures (5th Revision) IS 4326, 1993, Indian Standard Code of Practice for Earthquake Resistant Design and Construction of Buildings (2nd Revision) IS 13827 …

What are the 7 types of text structures?

Examples of text structures include: sequence/process, description, time order/chronology, proposition/support, compare/contrast, problem/solution, cause/effect, inductive/deductive, and investigation.

What are examples of structural choices?

Terms in this set (26) Alliteration. the commencement of two or more words of a word group with the same letter. …Allusion. a passing or casual reference; an incidental mention of something. …Assonance. …Dissonance. …Connotation. …Consonance. …Denotation. …Onomatopoeia. More items…

What is an example of a structure?

Structure is a constructed building or a specific arrangement of things or people, especially things that have multiple parts. An example of structure is a newly built home. An example of structure is the arrangement of DNA elements. The arrangement or formation of the tissues, organs, or other parts of an organism.