You Are Applying for Homeowners' Insurance,and the Application for Coverage

Multiple Choice

You are applying for homeowners' insurance,and the application for coverage asks if you have ever been convicted of a crime. Why does the insurer care if you have a criminal record?

A) It tarnishes the company's image to sell to former convicts
B) By law, convicted criminals are not entitled to own property, and thus cannot be issued property insurance policies
C) A criminal background, especially one involving destruction or theft of property, indicates that you are a potential moral hazard
D) Underwriters are notorious for asking personal questions