Free Homeowners Policy Practice Questions
Indiana Personal Lines exam — 182 practice questions.
Subtopics: Proof of loss timeframe, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, HO-3 form, HO-4 renters, HO-6 condo, Flood exclusion, Earthquake exclusion, Special limits, Scheduled personal property, Liability exclusion auto, Residential termination scope, Inland marine exclusion, Residential cancellation notice form, Nonpayment cancellation, Cancellation after 60 days, Cancellation in first 60 days, Independent producer notice, Residential nonrenewal notice, Willingness to renew, Affiliate transfer, Failure to give nonrenewal notice, Explanation standard, Permitted cancellation reasons, Tax delinquency ground, Code violations, Prohibited termination grounds, Residual market history, Occupation as a ground, Termination defined, Aerial image nonrenewals, Aerial image age, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage C trailer limit, Medical payments exclusion, Special limits jewelry, 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, Ordinance or law, Water backup endorsement, 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, 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. Under the ISO HO-3 (2011) homeowners form, when must the insured send a signed, sworn proof of loss?
Within 60 days after the insurer's request
The HO-3 duties after loss require the insured to send a signed, sworn proof of loss within 60 days after the insurer's request.
2. Coverage A of a homeowners policy insures what?
The dwelling
Coverage A insures the dwelling structure itself under a homeowners policy.
3. Coverage B of a homeowners policy insures what?
Detached structures like a garage
Coverage B insures other structures on the premises, such as detached garages, fences, and sheds.
4. Coverage C of a homeowners policy insures what?
Personal property of the insured
Coverage C insures the insured's personal property, often on a named-peril basis, worldwide subject to limits.
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.
