Which statement about Susan's homeowners policy claim for her late husband's gravestone is TRUE?

In the context of Susan's homeowners policy claim for her late husband's gravestone, the accurate statement pertains to the coverage limit provided for such situations. Homeowners insurance typically includes a category for loss or damage to specific personal property, and there is often a specified limit for certain categories of items, such as grave markers. In this case, many homeowners policies designate a coverage limit, often around $2,500, specifically for headstones or grave markers. Thus, it aligns with the typical provisions found in homeowners policies that offer support for such claims, leading to the assertion that she will receive a designated amount, like $2,500, to address the damage.

The other statements do not reflect the common practices and stipulations present in homeowners insurance. The full replacement value of the gravestone is not typically guaranteed, as there are often caps on reimbursement for such losses. Additionally, categorizing this incident under property damage liability would misinterpret the nature of the claim since liability generally refers to loss a policyholder is deemed responsible for causing to third parties, rather than insurable assets. Lastly, while vandalism can sometimes impact coverage, in this instance, it does not negate the coverage provided for grave markers under most homeowners policies. Thus, the assertion about receiving