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coinsurance. Question 4. 4. (TCO 4) If a worker damages your home while painting several rooms, and you take action against the worker's employer to cover the cost of the damage, this is an example of a(n) _____ liability. (Points : 1) umbrella vicarious common situation peril assigned Question 5. 5. (TCO 4) Which of the following is not considered personal property for home insurance coverage? (Points : 1) An automobile A garage Furniture Appliances A permanently installed air conditioning unit Question 6. 6. (TCO 4) State Farm has provided a quote to you for an umbrella policy. This type of policy provides coverage for (Points : 1) expensive personal property.