Problem: As an investment, Estella purchased a duplex, and she rents its two units to Minnie and Cassandra. Because Estella has a homeowners policy on the single-family home she lives in, Estella.
a. already has liability coverage for the duplex.
b. can add an Additional Residence Rented to Others 1, 2, 3 or 4 Families (HO 24 70) endorsement to her current policy to obtain liability coverage on the duplex.
c. can add an Additional Residence Rented to Others 1, 2, 3 or 4 Families (HO 24 70) endorsement to her current policy to obtain property coverage on the duplex.
d. will have to purchase an additional separate homeowners policy to obtain property coverage on the duplex.