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HO-3 Section II Coverages
- Coverage E - Personal Liability
- Coverage F - Medical Payments to Others
- Section II - Additional Coverages
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Coverage E - Personal Liability
- liability coverage applies only to bodily injury and property damage that result from an occurrence during the policy period
- an occurrence can be a sudden event, a gradual series of incidents, or a continuous condition
- basic personal liability limits are $100,000 per occurrence
- defense cost is supplemental to the limit and applies even for groundless, false, or fraudulent suits
- insurer's obligation to defend only ends when limit of liability is exhausted by payment
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Coverage F - Medical Payments to Others
- basic limit is usually $1,000 per person per accident
- claims for medical payment do not required the insured to be legally responsible
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HO Section II 4 Additional Coverages
- claim expenses: premium on bond within limit, loss of earnings ($250/day), postjudgment interest
- first aids expenses
- damage to property of others: $1,000 regardless of fault; note - intentional by child under 13 doesn't qualify as intentional
- loss assessment: up to $1,000
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