Which of the following statements is (are) true with respect to perils covered under an unendorsed ISO Homeowners 3 policy?

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Which of the following statements is (are) true with respect to perils covered under an unendorsed ISO Homeowners 3 policy?

I. The dwelling and other structures are covered for all direct physical losses except those losses that are specifically excluded.

II. Personal property is covered on a named-perils basis.

a.I only

b.both I and II

c.II only

d.neither I nor II

Answer: B

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