Free Homeowners Policy Concepts Practice Questions
Connecticut Property exam (series 12-CT-19) — 142 practice questions.
Subtopics: Homeowners cancellation, Claims-based nonrenewal, Prior owner claims, Matching, Hurricane deductible, Storm shutters, Coastal market assistance, Eligibility, HO-3 special, HO-4 renters, HO-6 condo, HO-8 modified, Coverage C limit, Coverage B limit, Loss of use, Coverage E liability, Coverage F medical payments, Replacement cost requirement, Special limits, Standard mortgage clause, Vacant vs unoccupied, Open vs named perils, Loss assessment, Debris removal, Trees and shrubs, Ordinance or law, Appraisal condition, Business pursuits, Home day care, Personal injury, Watercraft endorsement, Fungi limitation, Permitted incidental occupancies, Identity fraud, Earthquake endorsement, Scheduled personal property, Water and sewer backup, HO-2 broad form, HO-5 comprehensive form, Coverage A dwelling, Section I vs Section II, Medical payments exclusions, Credit card and forgery coverage, Collapse additional coverage, Glass or safety glazing, Landlords furnishings, Fire department service charge, Reasonable repairs, Property removed coverage, Damage to property of others, Money special limit, Volcanic eruption, Firearms theft limit, Business property on-premises limit, Personal property replacement cost, Grave markers, Refrigerated food spoilage, Concealment or fraud condition, Intentional loss exclusion, Neglect exclusion, Power failure exclusion, Nuclear hazard exclusion, Motor vehicle liability exclusion, Aircraft liability exclusion, Severability of insurance, Loss payment condition, Our option to repair or replace, Definition of insured, Full-time student, Residence premises, HO civil authority, HO-4 Coverage C, HO-4 additions and alterations, HO-6 Coverage A, HO-3 Coverage C perils, Theft from dwelling under construction, Theft - rented to others, Watercraft property limit, Securities limit, Jewelry theft limit, Silverware theft limit, Business property off premises, Property not covered, Coverage C worldwide, Personal property at other residence, Debris removal additional amount, Tree removal, Trees perils, Loss assessment limit, Ordinance or law limit, Grave markers limit, Landlord furnishings limit, Property removed duration, Replacement cost holdback, HO underinsured RC calc, Loss settlement - contents, Medical payments time limit, Section II additional - claim expenses, First aid expenses, Watercraft liability exclusion, Business exclusion, Coverage E exclusion - insured injury, Rented property liability, Expected or intended, Section II other insurance, Section I other insurance, HO cancellation - new policy, HO nonrenewal notice, Death of named insured, Mold exclusion HO-3, Animals owned exclusion, Vacancy - vandalism HO, Inflation guard HO, Additional living expense example, Section II, HO-5 vs HO-3, HO-5 special limits, HO-8 loss settlement, HO-8 theft, HO-8 perils, Water backup, Identity fraud expense
Read the Homeowners Policy Concepts study guide
Sample questions & answers
1. Once a new Connecticut homeowners policy has been in effect for at least 60 days, the insurer may cancel it only for:
Nonpayment, fraud, or a hazard-increasing physical change
After sixty days (or on a renewal), cancellation is limited to nonpayment, fraud or material misrepresentation in obtaining coverage, or a physical change materially increasing a hazard.
2. A Connecticut homeowners policy in force less than 60 days (not a renewal) may be cancelled for a reason other than nonpayment with written notice of at least:
30 days
For new homeowners policies under sixty days, the notice is at least ten days for nonpayment and at least thirty days for any other reason.
3. For nonpayment of premium, a Connecticut homeowners insurer must send the cancellation notice at least how many days before the cancellation date?
10 days
Whether the policy is new or established, cancellation for nonpayment requires at least ten days' notice disclosing that paying the premium will avoid cancellation.
4. A Connecticut insurer may NOT cancel or nonrenew a homeowners policy based solely on:
Losses from a declared catastrophic event
Declination, cancellation or nonrenewal based solely on losses from catastrophic events declared by a nationally recognized catastrophe index provider is prohibited.
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.
