PO: 106 US Politics Unit 2 Exam Review Covers Material From Chpts: 7, 9, 11, 12, 14 Key Terms for Multiple Choice Section On the exam there will be 40 questions, each worth 2 pts Political Participation Who Participates/ Who does not Differences in Race and participation Differences in Men and Women’s Participation Explanations for voting and nonvoting Voting in US compared to other Countries Free Rider Problem Social Capital Political parties Whose interests are and are not represented (why) patronage (spoils system) political machine Progressive era Duverger's Law Single member district-plurality Proportional electoral system Republican Party vs. Democratic Party (groups of voters) Roll of Political Parties (3) Party realignment theory Difficulties 3rd Parties face elastic clause coattail effect reapportionment redistricting Baker v. Carr franking privilege gerrymander delegate/ trustee/  politico Work of Congress standing committees conference committees select committees How a bill becomes a law Senate vs. House of Representatives filibuster and cloture Power of incumbency House of Representatives powers President’s options for bills Qualifications of President Presidential Powers  Presidential Elections Primary and General Election Electoral College (Nebraska and Maine) executive order Pres.’s role Head of State vs. Head of Govt.  Impeachment process Impeached Presidents Marbury v. Madison judicial review precedent standing criminal law vs. civil law majority opinion dissenting opinion concurring opinion Supreme Court amicus curiae writ of certiorari Essay: On the exam you will be given two of the questions to below, you will select one to answer. This section of the exam is worth 20pts. Make sure to answer your question in essay form complete with introduction and conclusion, also make sure to complete each part of the question, as each section is worth a particular amount of points. You may bring a 5x7 piece of paper with prepared outlines to the test. 1. What are the two main political parties in the United States? What do these two parties stand for (their ideology—see the chart)? Your would desperately like to see a 3rd party participate in elections in the US—explain to them why this is unlikely given our current electoral system (Duverger’s Law) and other difficulties third parties face. 2.  Explain the process by which legislation is drafted and put into effect—draw the path of a bill all the way from its initial introduction to the president’s desk and the president’s options for the bill. Why is the procedure so complicated? What are the drawbacks and advantages of this procedure? Should the legislative process be reformed to make it easier to pass legislation?  3. Explain the process by which the American people select their presidents—Primary through General Election. What are the strengths and flaws of this process? Is the process appropriately democratic? Does it adequately ensure that t.

1. PO: 106 US Politics
Unit 2 Exam Review
Covers Material From Chpts: 7, 9, 11, 12, 14
Key Terms for Multiple Choice Section
On the exam there will be 40 questions, each worth 2 pts
Political Participation
Who Participates/ Who does not
Differences in Race and participation
Differences in Men and Women’s Participation
Explanations for voting and nonvoting
Voting in US compared to other Countries
Free Rider Problem
Social Capital
Political parties
Whose interests are and are not represented (why)
patronage (spoils system)
political machine
Progressive era
Duverger's Law
Single member district-plurality
Proportional electoral system
Republican Party vs. Democratic Party
(groups of voters)
Roll of Political Parties (3)
Party realignment theory
Difficulties 3rd Parties face
elastic clause
coattail effect
reapportionment

2. redistricting
Baker v. Carr
franking privilege
gerrymander
delegate/ trustee/ politico
Work of Congress
standing committees
conference committees
select committees
How a bill becomes a law
Senate vs. House of Representatives
filibuster and cloture
Power of incumbency
House of Representatives powers
President’s options for bills
Qualifications of President
Presidential Powers
Presidential Elections
Primary and General Election
Electoral College (Nebraska and Maine)
executive order
Pres.’s role Head of State vs. Head of Govt.
Impeachment process
Impeached Presidents
Marbury v. Madison
judicial review
precedent
standing
criminal law vs. civil law
majority opinion
dissenting opinion
concurring opinion
Supreme Court
amicus curiae

3. writ of certiorari
Essay: On the exam you will be given two of the questions to
below, you will select one to answer. This section of the exam
is worth 20pts. Make sure to answer your question in essay
form complete with introduction and conclusion, also make sure
to complete each part of the question, as each section is worth a
particular amount of points. You may bring a 5x7 piece of
paper with prepared outlines to the test.
1. What are the two main political parties in the United States?
What do these two parties stand for (their ideology—see the
chart)? Your would desperately like to see a 3rd party
participate in elections in the US—explain to them why this is
unlikely given our current electoral system (Duverger’s Law)
and other difficulties third parties face.
2. Explain the process by which legislation is drafted and put
into effect—draw the path of a bill all the way from its initial
introduction to the president’s desk and the president’s options
for the bill. Why is the procedure so complicated? What are the
drawbacks and advantages of this procedure? Should the
legislative process be reformed to make it easier to pass
legislation?
3. Explain the process by which the American people select
their presidents—Primary through General Election. What are
the strengths and flaws of this process? Is the process
appropriately democratic? Does it adequately ensure that the
will of the American people will dominate? What changes might
be adapted to improve the presidential electoral process?

4. FIN 3610 General Insurance
Chapter 22 – Homeowners Insurance, Section I
Chapter 23 – Homeowners Insurance, Section II
Lecture Overview – Comments from Dr. Zietz
Homeowners Insurance
Welcome back to the third portion of our course where we will
cover liability topics and some personal lines property topics as
well. You will note that Chapter 20 covers Section I of the
homeowners’ policy, and Chapter 21 covers Section II of the
homeowners’ policy.
While we are basically going to cover the HO-3 special form
homeowner’s policy, you need to be aware that there are several
other homeowner policies. Examine Exhibit Twenty on page 429
and you will see there are now six different homeowner
policies:
HO-2 basic form covers the dwelling, other structures, and
personal property on a named perils basis.
Homeowner Policy Section I
The homeowners’ policy is a great place to get introduced to
basic insurance terminology and learning your way around the
policies and how to understand the policy. The HO-3 is broken
down into two parts. It's fairly easy to look up specific losses or
specific issues that you may want to read more about. For
example, homeowner policy Section I provides four different
categories of coverages. These four coverages are: A- dwelling
coverage, B- other structures coverage, C- personal property
coverage, D-loss-of-use coverage. There are some other
coverages that will be included in these but those are the four
broad categories of coverages in Section I of the homeowners’
policy.
You will note dwelling coverage today covers the building

5. itself. Following through on page 432 you will see that the
dwelling includes any structure that is attached to that dwelling.
For example an attached garage would be covered under
coverage. If the garage was not physically attached to the actual
house, then that would be covered under coverage B as other
structures. As a former claims adjuster these sections of the
policy and the definitions within them were very important in
determining whether a loss was covered, and if so to what
extent was their coverage. You will see that under each of those
coverages in Section I, there are limits, as well as additional
special limits of liability. For example there's a $200 limit on
money within the home. This would include a coin collection or
just spare cash that you may hide under your mattress. There is
also a special event for the theft of jewelry up to $1500 on most
homeowner policies. You will also find a section entitled
property not covered and should read through the eleven
categories of property not covered there in this chapter. You
should recall what we said in Chapter 1 about what we need to
insert in a policy to prevent an insured from trying to make a
profit from having a loss. Most of these exclusions or limits are
for that purpose. There are other reasons for exclusions that are
discussed here as well.
Coverage D provides protection when the residence premises
cannot be used because of a covered loss. The amount of
additional insurance under this coverage is 30% of the amount
of insurance on the house itself, Coverage A.
If you keep going through the policy you will find that it's
organized very nicely. You have specific information for
coverage is A through D, then you have a section entitled
additional coverages which specify how much coverage there
would be if the fire department had to come to your home and
charged for that trip, but you would also find additional
coverages for things like trees shrubs and other plants, credit
card, electronic fund transfer card or excess device, forgery,
and counterfeit money. The section more clearly defines the
coverage that would be provided for these types of items.

6. You want next come to a section that describes the perils
insured. You'll also relate this to what we had in Chapter 1
regarding named peril versus all risk policies. It specifically
states in the section that for the house and other structures,
coverage A and B, the dwelling and other structures, are insured
against "direct physical loss to the property." This means that
direct physical loss is covered except if the loss is specifically
excluded. Thus, if a loss to the dwelling or other structure is not
excluded, the loss is covered under the policy. This is quite
simply the definition of an open peril policy.
A more lengthy discussion is provided on the coverage that
would apply toward personal property that is covered. Personal
property is covered on a named peril basis. The policy
compensates direct physical loss to personal property from this
perils discussed or named in the policy. This indicates that
coverage C is a named peril type of coverage. You will find a
lot of perils listed here under the section including fire,
lightning, wind storm, hail, explosion, aircraft, vehicle, smoke,
and theft. There are many other perils named for coverage C of
this policy.
The next segments of the homeowner policy includes a list of
exclusions and conditions. Keep in mind the homeowner policy
is divided into Section I and Section II. Different conditions
and exclusions will apply to each section. In the condition
section you will find more specific information on things such
as your duties after a loss, how a claim is settled, the appraisal
clause, and your mortgage clause. You might be interested in
reading in this section about how the mortgage clause is
designed to protect the mortgagee’s insurable interest. The
mortgagee is the bank or the holder of the loan on the house.
Many people are not aware that their lender has a key role and
has benefits in their homeowners’ policy. The laws have
changed to protect a mortgagee from the acts of the insured in
some cases.
As in all of these chapters, at the end you will find case
applications. The case applications for Chapter 20 are

7. exceptionally good! Look on page 448 and go through the
examples given of Jack and Jane and their homeowner policy.
Homeowners Policy Section II
The homeowner policy information is continued in Chapter 21.
While chapter 20 covered Section I of the homeowners’ policy,
Chapter 21 covers Section II, which only includes two
coverages, Coverage E and coverage F. These two coverages are
for personal liability, and medical payments to others. While
different limits might be available, a typical limit is $100,000.
As you will see in this chapter, some very interesting claims
may occur in coverage, as is itemized on page 455. Your
coverage if you would provide personal liability protection to
you, meaning that if I third-party made a claim against you, this
coverage could apply. Suppose your dog bites a small child,
Coverage E may apply. This is a very common type of
homeowner claim under Section II coverage. Also, if you're
burning leaves in your yard and accidentally set your neighbor’s
home on fire, Coverage E would apply. The big question that
always arises in class is what if someone is hurt in your home or
even worse, what if someone is drinking in your home and
leaves and causes an accident. These are the types of things for
which we all need to be very cautious and practice thorough risk
management! Coverage E would generally apply to these types
of situations, with some exclusions that are also noted in his
chapter.
There are numerous exclusions listed for coverage under
Section II and most of these you can see how directly they
result from our concern back in Chapter 1 again that no one
should be able to profit from having an insurance policy. Notice
there are exclusions for watercraft liability, aircraft liability,
and hovercraft liability, which would need to be covered under
their own policy. Most people do not have those types of
properties, therefore the average homeowner would prefer not
having to pay for that coverage when they do not own a
watercraft or an aircraft.
There are some additional coverages in Section II that are

8. discussed in this chapter as well. Those include coverages for
claims expenses, and one of my favorites, damage to property of
others. When I was a claims adjuster and there had been a small
loss to someone's property who wanted the insured to pay for,
often the insured would not feel it was his or her responsibility
to pay for the loss. I had one claim in which our insured went to
visit his neighbor and the door handle just fell off. Our insured
claimed he did not do anything to cause the damage. He said it
was loose and it already been broken. He did not want to have
to have his insurance company pay for his neighbor’s broken
door when he did not feel responsible for it. This damage to
property of others clause, what I like to call the good neighbor
clause, allowed me to give the neighbor A few hundred dollars
to fix the door with no liability admitted.
As you continue reading the chapter, pay careful attention to
this Section II conditions, many of which we discussed in an
earlier chapter, and typical endorsements that may be added to
the homeowner policy. A homeowner can tailor this policy to fit
his or her needs quite easily.
The final section of Chapter 2 covers the cost of homeowner
insurance. The chapter also provides you hints on what to look
for when purchasing the policy and provides some cost
comparison between different companies. It would be worth
your time to look online and see how prices may vary across
companies for the same amount of coverage.
These two chapters provide a lot of information that I am
confident you will refer to when you purchase a homeowners
policy!
FIN 3610 Assignment 11
Name_______________________
Chapters 22 and 23
Please remember that you must do your own work. Any
plagiarism will result in a grade of zero for all students

9. involved. Please use your own words even if you are using the
textbook for answers. Always provide a citation when a
reference is used.
1. The Section 1 property coverages provide different types of
coverages to an insured. For each of the following coverages,
briefly describe the type of coverage provided, and give an
example of a loss that would be covered.
a. Coverage A: Dwelling:
b. Coverage: Other Structures:
c. Coverage C: Personal Property:
d. Coverage D: Loss of Use:
e. Additional Coverages:
2. Briefly describe the special limits of liability that apply to
certain types of personal property. Why are these special limits
used?
3. List the major exclusions that are found in Section I of the
Homeowners 3 Policy.
4. Briefly describe the duties imposed on the insured under a
homeowners policy after a property loss occurs.
5. A home buyer may obtain a mortgage loan to purchase a
house. Explain briefly how the mortgage clause protects the
insurable interest of the lending institution (mortgagee).
6. Briefly explain the personal liability coverage (Coverage E)
in Section II of the homeowners policy and provide an example
of a loss.
7. With regard to medical payments to others (Coverage F) in
Section II of the homeowners policy:
a. Briefly explain the coverage that is provided.
b. Identify the people who are covered for medical payments.

10. c. Provide an example of a loss under Coverage F.
8. List the major exclusions that apply to personal liability
(Coverage E) and medical payments to others (Coverage F) in
the homeowners policy.
9. Indicate whether the following losses are covered under
Section II of the homeowners policy. Assume there are no
special endorsements. Explain your answers.
a. The named insured’s dog bites a neighbor’s child and also
chews up the neighbor’s coat.
b. A son living at home accidentally injures another player
while playing softball.
c. A guest slips on a waxed kitchen floor and breaks an arm.
d. A neighbor’s child falls off a swing in the named insured’s
yard and breaks an arm.
e. The named insured accidentally falls on an icy sidewalk and
breaks a leg.
f. While driving to the supermarket, the named insured injures
another motorist with the automobile.
g. A ward of the court, age 10, in the care of an insured,
deliberately breaks a neighbor’s window.
h. The named insured paints houses for a living. A can of paint
accidentally spills onto a customer’s roof and discolors it.
i. The named insured falls asleep while smoking a cigarette in a
rented hotel room, and the room is badly damaged by the fire.
j. The named insured borrows a camera, and it is stolen from a
motel room while the insured is on vacation.