Which of the following is an Additional Coverage under BPI MS HOME CARE ADVANTAGE?

• A. Family Personal Accident Insurance; Comprehensive Personal Liability Insurance
• B. Rental Income or Rental Value
• C. Removal of Debris
• D. Fire Fighting Expense

Answer: (A)

In Home Insurance add-ons, the idea is to extend protection to areas not covered by the standard policy. For BPI MS Home Care Advantage, the Add-on that fits this question is the pairing of Family Personal Accident Insurance and Comprehensive Personal Liability Insurance. The Family Personal Accident Insurance provides a payout if a family member suffers accidental death or a serious injury, helping with financial and medical needs. The Comprehensive Personal Liability Insurance covers instances where you or your family members cause bodily injury or property damage to others, including legal defense costs, up to the policy limits. These two protections address personal risk and third-party liability for a household, which is why they’re the Add-on listed. The other options don’t fit as Add-ons in this product: Rental Income or Rental Value is typically for landlords and not an Add-on in this Home Care Advantage, while Removal of Debris and Fire Fighting Expense are commonly handled differently in various policies and aren’t the Add-on described here.