Free Homeowners Policy Practice Questions
Idaho Personal Lines exam — 160 practice questions.
Subtopics: Special form, Coverage A, Coverage C, Loss of use, Personal liability, Medical payments, Renters form, Condo form, Replacement cost, Special limits, Scheduled property, Business exclusion, Flood exclusion, Ordinance or law, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage B, 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, Loss assessment, 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, Damage to property of others, 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, 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 (special form) homeowners policy generally insures the dwelling on:
An open-peril (all-risk) basis except for stated exclusions
The HO-3 insures the dwelling on an open-peril basis, covering risks of direct loss except those specifically excluded.
2. Coverage A of a homeowners policy applies to the:
Dwelling structure
Coverage A insures the dwelling structure itself, including attached structures such as a garage.
3. Coverage C of a homeowners policy insures:
The insured's personal property
Coverage C insures the insured's personal property, generally on a named-peril basis in the HO-3.
4. Coverage D (loss of use) in a homeowners policy pays:
Additional living expenses when the home is uninhabitable after a covered loss
Loss of use pays additional living expenses and lost fair rental value when a covered loss makes the home uninhabitable.
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.
