Free Homeowners Policy Concepts Practice Questions
Louisiana Property exam — 147 practice questions.
Subtopics: ATV ownership, One deductible per incident, Act of God losses, Homeowners nonrenewal, Surviving spouse grace period, Grace period limits, Three-year rule, Older policies, Market withdrawal, Nonrenewal without cause, Hurricane deductible, Second storm deductible, Deductible disclosure form, New deductible form, ALE advance, Policy form conversion, 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. May a Louisiana insurer refuse to renew a homeowners policy solely because the insured owns an all-terrain vehicle?
No, though it may exclude ATV-related losses
R.S. 22:1265(C) bars canceling, refusing, or nonrenewing a homeowners policy solely because the insured owns an ATV, but permits excluding ATV-related losses.
2. Under R.S. 22:1265(G), a Louisiana homeowners policy may apply how many deductibles to a loss from a single incident?
One
R.S. 22:1265(G) voids any homeowners provision applying more than one deductible to a loss from a single incident.
3. A Louisiana insurer may NOT cancel, nonrenew, or raise the premium of a homeowners policy (except area-wide at a new period) based solely on:
A loss caused by an Act of God
R.S. 22:1336 prohibits these actions based solely on an Act of God loss, meaning an incident due directly to natural causes without human intervention.
4. Effective July 1, 2026, if a Louisiana homeowners nonrenewal notice is mailed less than 60 days before expiration, coverage:
Continues until 60 days after the notice is sent
R.S. 22:1335(A), as amended by Acts 2025, No. 182, requires sixty days' notice and continues coverage until sixty days after a late notice, with pro rata earned premium at the prior rate.
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.
