Question

Which of the following would be covered under a homeowners policy?

1) Flood damage
2) Earthquake damage
3) Bodily injury to the insured's son
4) An article falls off an airplane flying overhead and crashes into the insured's home

Answer 1

A homeowners policy usually covers damages to the dwelling caused by certain perils, personal property, and liability protection. Flood and earthquake damage are generally not covered. It depends on the policy if an article falling off an airplane is covered.

Step-by-step explanation:

A homeowners policy typically covers damages to the dwelling caused by certain perils such as fire, theft, vandalism, or storms. It may also cover personal property inside the home and provide liability protection in case someone gets injured on the insured property. However, flood damage and earthquake damage are usually not covered under a standard homeowners policy and require separate coverage. Bodily injury to the insured's son would not be covered unless it resulted from a covered peril. Lastly, if an article falls off an airplane and crashes into the insured's home, it may be covered under the homeowners policy depending on the specific policy terms.