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This document is a homeowners insurance policy declaration from The Providence Mutual Fire Insurance Company, effective from January 29, 2017, to January 29, 2018. It outlines the coverage details for the insured, Carol Minot, at her residence in North Smithfield, RI. The policy includes various coverage limits for dwelling, personal property, liability, and medical payments. It also lists optional premiums and endorsements included in the policy. Additionally, it informs the insured of her membership rights in the mutual insurance company.

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What is Section 2 of the homeowners insurance policy?

Section II traditionally covers bodily injury and property damage but not other personal injury claims, as you might assume. For example, your homeowners policy wont cover claims for libel or slander. However, you might be able to add a personal injury endorsement that would.

What is Section 2 liability coverage?

Section II - Liability to Third Parties ii. Damage to property other than property belonging to the insured or held in trust or in the custody or control of the Insured up to the limit specified in the schedule.

What is included in the declarations page of a homeowners insurance policy?

When you purchase a homeowners insurance policy, when you renew your policy, or when you make any changes to your policy, the company will give you a document called a Declarations Page. The Declarations Page identifies the kinds and amounts of coverage you have and how much it will cost you.

What is section 2 in insurance?

The focus of Section II is primarily personal liability and medical payments for guests of the homeowner. For example, if your dog bites the neighbor, or if the mailman slips and breaks his leg on your ice-covered driveway, your insurance carrier may pay for those medical expenses.

What are the three major parts of a homeowners policy?

Understanding Basic Homeowners Insurance Your homes physical structure. Your personal belongings inside the home. Liability protection. Coverage for additional living expenses.

What are the two sections included in all homeowners policies?

The homeowners policy contains two sections. Section I provides property coverages (A, B, C and D) while Section II provides liability coverages (E and F). A brief description of the individual coverages follows: Coverage A Dwelling.

Which accident would be covered by section 2 of a homeowners policy?

Section II of the HO-3 policy specifically deals with liability coverages and medical payments. This section outlines what is covered, including bodily injury and property damage for which the insured is legally responsible. It also covers the medical expenses of guests injured on your property, regardless of fault.

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