Free Homeowners Policy Practice Questions
Kentucky Personal Lines exam — 160 practice questions.
Subtopics: HO-3 special form, HO-4 renters, HO-6 condo, HO-8 older home, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, Replacement cost, Open peril, Flood exclusion, Special limits, HO purpose, HO-5 comprehensive, HO-8 modified, Coverage C trailer limit, 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, 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, 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. The HO-3 (special form) homeowners policy insures the dwelling on an open-peril basis and personal property on a:
Named-peril basis
The HO-3 covers the dwelling on an open-peril basis but insures personal property on a named-peril basis.
2. Which homeowners form is designed for tenants who rent their residence?
HO-4
The HO-4 (contents broad form) is the renters policy, covering a tenant's personal property and liability but not the building.
3. The HO-6 homeowners form is designed specifically for:
Condominium unit owners
The HO-6 form is tailored to condominium unit owners, covering interior and personal property.
4. The HO-8 homeowners form is intended for:
Older homes, often on a modified loss basis
The HO-8 form is for older homes and typically settles dwelling losses on an actual cash value or functional repair basis.
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.
