The homeowners policy only covers losses that occur or begin during which time frame?

• A. Only losses that begin after policy period end
• B. Losses that occur or begin during the policy period
• C. Only losses that occur during policy period but not begin
• D. Losses that occur before policy period

Answer: (B)

The coverage is tied to the policy period, the time frame from the effective date to the expiration date. A loss is covered if it occurs during that window or if the event begins during that window. This means a fire, theft, or other covered event that starts while the policy is in force is potentially payable, even if some damage shows up after the period ends. Conversely, losses that begin before the policy starts or occur entirely after it ends aren’t covered. For example, a leak that starts during the policy period is covered, while a loss that begins before the policy period is not.