Free Homeowners Policy Practice Questions
Alabama Personal Lines exam — 180 practice questions.
Subtopics: HO-3 form, Coverage C, Coverage B, Loss of use, Coverage E liability, Coverage F medical payments, HO-4 renters, HO-6 condo, Flood exclusion, Earthquake, Special limits, Replacement cost on dwelling, Wind/hurricane deductible, Liability exclusions, FORTIFIED discount, FORTIFIED certification, FORTIFIED discount scope, FORTIFIED roof endorsement, FORTIFIED ineligible property, New construction discount, Strengthen Alabama Homes, SAH grant purpose, SAH eligibility, SAH grant amount, SAH not entitlement, SAH inspections, Money limit, Jewelry theft limit, Firearms theft limit, Watercraft limit, Trees and shrubs, Fire department charge, Loss assessment, Damage to property of others, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage A, Coverage C trailer limit, Coverage D, Coverage E, Coverage F, Medical payments exclusion, Special limits jewelry, Scheduled personal property, Coverage C off-premises, Replacement cost dwelling, Personal property loss settlement, Liability exclusion business, Liability exclusion intentional, Auto exclusion, Additional coverage debris removal, Ordinance or law, Water backup endorsement, Earthquake exclusion, Section II exclusion own injury, Eligibility owner-occupied, Identity theft endorsement, HO-2 broad form, Coverage B limit, Coverage D duration, Trees shrubs plants limit, Credit card forgery coverage, Fire department service charge, Collapse coverage, Reasonable repairs, Property removed, Special limit money, Special limit securities, Special limit silverware theft, Special limit firearms theft, Special limit business property, Off-premises property limit, Mold limitation, Section I deductible, First aid expenses, Claim expenses, Business pursuits endorsement, Permitted incidental occupancy, Watercraft liability, Personal injury endorsement, Insured location definition, Residence premises definition, Property of others under Coverage C, Severability of insurance, Refrigerated property endorsement, Building materials under Coverage A, Coinsurance calculation, Definition of insured, Business definition, Residence premises, Insured location, Coverage B exclusions, Coverage C other residences, Coverage C self-storage, Moving to new residence, Property not covered, Debris removal, Tree debris removal, Trees, shrubs and plants, Credit card coverage, Collapse, Landlord's furnishings, Grave markers, Freezing exclusion, Vacancy, Open perils exclusions, Windstorm peril, Falling objects, Theft peril, Electrical current, Earth movement, Water exclusion, Intentional loss, Insurance to value calculation, Insurance to value, Replacement cost settlement, Loss settlement, Duties after loss, Mortgage clause, Abandonment, Volcanic eruption, Motor vehicle liability, Section II exclusions, Business exclusion, Contractual liability, Section II loss assessment, Section II other insurance, Cancellation, Liberalization, Death of insured, HO-4, HO-6, Workers compensation for residence employees, Additional coverages
Read the Homeowners Policy study guide
Sample questions & answers
1. The HO-3 homeowners form typically insures the dwelling on an open perils basis and personal property on:
A named perils basis
The HO-3 covers the dwelling on open perils and personal property on a named perils basis.
2. Coverage C in a homeowners policy insures:
Personal property of the insured
Coverage C provides protection for the insured's personal property (contents).
3. Coverage B in a homeowners policy applies to:
Other structures, such as a detached garage
Coverage B insures other structures separated from the dwelling, such as detached garages and fences.
4. Coverage D (loss of use) pays for:
Extra living costs while the home is uninhabitable
Loss of use pays additional living expenses and lost rental value while the home is uninhabitable after a covered loss.
Practice: Homeowners Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
