Joe Has an HO-2 Policy

question 31

Multiple Choice

Joe has an HO-2 policy. He also has an unattached converted garage that he has turned into an apartment,and he rents it to a full-time college student.The apartment is destroyed by fire.What will happen with the claim according to the HO-2 contract?

• A)all damage to rented property is specifically excluded no matter what the peril
• B)the peril of fire is not covered when it damages unattached structures
• C)there will be no payment because a rented other structure is excluded from coverage
• D)because it was unattached, the HO-2 does not cover that type of property

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Definitions:

Reflex Arc

A neural pathway that mediates an automatic response to a stimulus, involving sensory input and motor output without conscious thought.

Dualistic Nature

The concept of two fundamental parts or principles, such as mind and body, in contrast or opposition.

Descartes

René Descartes, a 17th-century French philosopher, mathematician, and scientist, known for his statement "I think, therefore I am" and his contributions to modern philosophy and the development of the Cartesian coordinate system.

Instinct

Instinct denotes the inherent inclination of a living organism towards a particular complex behavior, which is unlearned and often serves survival and reproductive purposes.