Question 14

A condominium unit owner's insurance policy will insure against liability for a guest slipping and falling in the kitchen of the unit.

A condominium unit owner's insurance policy typically covers personal liability for accidents that occur within the unit, which includes incidents such as a guest slipping and falling in the kitchen.

A) liability for fire damage to the elevator

This option is incorrect because fire damage to common areas such as elevators is usually covered by the condominium's master policy, not the individual unit owner's insurance. The unit owner's policy does not extend to common property.

B) liability for a guest slipping and falling in the lobby

This option is incorrect as well. Liability for accidents occurring in common areas like the lobby is generally the responsibility of the condominium association's insurance policy, not the unit owner's personal policy.

C) liability for a guest slipping and falling in the kitchen of the unit

This option is correct because a condominium unit owner's insurance policy provides coverage for personal liability incidents occurring within the unit itself, including slips and falls in the kitchen.

D) liability for an injury at the pool

This option is incorrect since injuries occurring at the pool, which is a common area, are typically covered under the condominium association's insurance policy. The unit owner's insurance does not cover liabilities outside their private unit.

Conclusion

The correct answer is C because it directly relates to incidents occurring within the homeowner's private space, for which they are personally liable. All other options involve common areas or responsibilities that fall under the jurisdiction of the condominium association's insurance policy, making them incorrect in the context of a unit owner's coverage.