Joe Has an HO-3 Policy

question 1

Multiple Choice

Joe has an HO-3 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-3 contract?

• A) Since fire is an excluded peril, nothing will be paid.
• 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, that type of property was not covered by the HO-3.

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Definitions:

Ivan Pavlov

Ivan Pavlov was a Russian physiologist best known for his discovery of classical conditioning, through his experiments with dogs, salivation, and the presentation of stimuli.

John B. Watson

An American psychologist who established the psychological school of behaviorism, emphasizing the study of observable behavior.

Dendrites

The branched part of a neuron that receives impulses and conducts them toward the cell body.

Axons

Long, slender projections of a nerve cell, or neuron, that typically conduct electrical impulses away from the neuron's cell body.