Washington State Insurance Practice Exam

What type of damage or loss does the homeowner coverage policy include?

1. Bodily injury to others

2. Equipment breakdown

3. Nuclear hazard

4. Vehicle collision

The correct answer is: Bodily injury to others

The correct answer is A, bodily injury to others. Homeowner coverage policies typically include coverage for bodily injury to others that may occur on the insured's property. This can encompass situations such as a visitor slipping and getting injured while on the insured's property. Options B, C, and D are not typically covered under a standard homeowner policy. Equipment breakdown coverage is usually a separate policy or endorsement, nuclear hazard coverage is often excluded from standard policies, and vehicle collision would be covered under an auto insurance policy rather than a homeowner policy.