If an insured experiences a burst water line and incurs a bill for the lost water, what will the insurer do under an HO-2 homeowner form?

In the context of an HO-2 homeowner form, the insurer typically covers various types of perils specifically listed in the policy. When discussing a burst water line, it’s important to note that the specific coverage under the HO-2 form does not extend to the cost of lost water as a separate item. The HO-2 policy generally covers damage to structures and personal property caused by certain perils, but it does not include coverage for the cost of water itself as it is seen as an excluded property or expense.

The correct response highlights that since the policy does not cover the loss related to the water itself, the insurer will deny the claim. This reflects the limitations of the HO-2 form, which is primarily focused on physical damages rather than utility costs or losses that do not result in damage to insured property. Understanding the specifics of exclusions in a homeowner's policy helps outline what expenses are not reimbursed under such circumstances.