Question

An insured’s child ran into a neighbor's planter on his bicycle and broke the planter and ruined the plants. The cost to replace the planter was $400, and the cost to replace the plants was $100. Which section of the insured's homeowners policy would pay?

a. Liability coverage
b. Property damage coverage
c. Personal property coverage
d. Medical payments coverage

Answer 1

The damage caused by the insured's child would be covered under the liability coverage section of the insured's homeowner's policy, which pays for the cost to replace the neighbor's damaged planter and plants. Option a.

Step-by-step explanation:

The section of the insured's homeowner's policy that would cover the damage caused by the child's bicycle accident is liability coverage option a. This portion of the policy is responsible for damages that the policyholder or covered individuals cause to a third party's property. In this scenario, the insured's child is at fault for damaging the neighbor's planter and plants, and the liability coverage would help pay for the cost to replace the planter and the plants, totaling $500.