Free Homeowners Policy Concepts Practice Questions
Alabama Property & Casualty exam — 100 practice questions.
Subtopics: Coverage A purpose, Section I vs II, Additional living expense, Open vs named on contents, Loss settlement, Mortgagee clause, Liability medical payments, Wind coverage on coast, 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, Coverage forms, Coverage C territory, Liability coverages, Property coverages, Coverage D limit, Coverage E limit, Coverage F limit, HO-4 renters, HO-6 condominium, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage F medical payments, Coverage E personal liability, Special limits of liability, Loss of use, Scheduled personal property, Coverage B percentage, Self-storage limit, Section II exclusions, Section I excluded perils, Definitions, Special limits, Personal property, Additional coverages, Perils insured against, Section I exclusions, Conditions, Section II additional coverages, Selected endorsements, Scheduled property endorsement, HO-6 special coverage, Replacement cost endorsement, HO-5 special limits, HO-5 Coverage C, HO-5 loss settlement
Read the Homeowners Policy Concepts study guide
Sample questions & answers
1. Coverage A under a homeowners policy insures:
The dwelling structure
Coverage A insures the dwelling, including attached structures, under a homeowners policy.
2. Homeowners policies are divided into Section I and Section II, which cover, respectively:
Property coverages and liability coverages
Section I provides property coverages (A-D), and Section II provides liability coverages (E-F).
3. Additional living expense coverage helps pay for:
Extra costs of living elsewhere while displaced
ALE pays the extra costs of living elsewhere while the home is uninhabitable after a covered loss.
4. Under most homeowners forms, personal property is covered on a:
Named perils basis
Most homeowners forms insure personal property against named perils, even when the dwelling is open perils.
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Practice: Homeowners Policy Concepts
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.
