The Insuring Agreement for This Coverage Includes Two Promises by the Insurer

question 45

Multiple Choice

The insuring agreement for this coverage includes two promises by the insurer: to pay damages for which the insured is legally liable and to "provide a defense at our expense by counsel of our choice, even if the suit is groundless, false, or fraudulent." Identify this coverage in a homeowners policy.

• A)Coverage A-Dwelling
• B)Coverage B-Other Structures
• C)Coverage C-Personal Property
• D)Coverage D-Loss of Use
• E)Coverage E-Personal Liability

---

Definitions:

Catastrophic Misinterpretations

The cognitive distortion where an individual irrationally anticipates the worst possible outcome in a situation.

Panic Disorder

A type of anxiety disorder marked by recurrent unexpected panic attacks, characterized by sudden periods of intense fear.

Bodily Sensations

Physical feelings or perceptions resulting from the condition or function of the body, such as pain, temperature, or pressure.

Parenting Behaviours

The actions and strategies employed by parents in raising their children, including disciplinary practices, communication, and nurturing.