5. marvins apartment is on the top floor of a multiple - occupancy apartment building, and marvin is insured…

5. marvins apartment is on the top floor of a multiple - occupancy apartment building, and marvin is insured with an ho 4 renters policy. a strong winter storm dumps 3 feet of snow and ice on marvins apartment building. which one of the following losses would his policy cover? (search chapter 10)\n○a. a piece of furniture that marvin was refinishing was sitting in the backyard when the storm hit, and the snow and ice severely damaged it.\n○b. his sons bicycle, parked and securely locked behind the building, is ruined when it is buried in the snow and then rusts.\n○c. the roof cracks from the weight of snow, and items in marvins apartment sustain water damage.\n○d. the snow and ice destroy the barbecue grill on his open balcony.\ngrade exam »

5. marvins apartment is on the top floor of a multiple - occupancy apartment building, and marvin is insured with an ho 4 renters policy. a strong winter storm dumps 3 feet of snow and ice on marvins apartment building. which one of the following losses would his policy cover? (search chapter 10)\n○a. a piece of furniture that marvin was refinishing was sitting in the backyard when the storm hit, and the snow and ice severely damaged it.\n○b. his sons bicycle, parked and securely locked behind the building, is ruined when it is buried in the snow and then rusts.\n○c. the roof cracks from the weight of snow, and items in marvins apartment sustain water damage.\n○d. the snow and ice destroy the barbecue grill on his open balcony.\ngrade exam »

Answer

Brief Explanations:

An HO - 4 renters policy covers personal property of the renter. Option a and b involve personal property outside which may not be covered. Option c is damage to the building structure (roof) which is not covered by a renter's policy. Option d involves a personal item (barbecue grill) on the balcony which is likely covered as personal property under an HO - 4 policy.

Answer:

D. The snow and ice destroy the barbecue grill on his open balcony.