Free Homeowners Policy Practice Questions
North Carolina Personal Lines exam — 182 practice questions.
Subtopics: Coverage A dwelling, Coverage B other structures, Coverage C contents, Loss of use, Personal liability, Medical payments to others, Flood exclusion, HO-3, HO-4 renters, HO-6 condo, Coastal wind, NC Coverage D limit, NC Coverage B limit, NC Coverage C limit, Insurance to value, Land value, Homeowners required?, Sections I and II, Coverage D extra expense, Coverage F exclusions, Tree removal, Replacement cost claim window, Roof matching, Neighbor tree, Car under tree, Percentage deductible, Named storm defined, Named storm period, Wind policy claims, Refrigerated property, Water backup, Inflation guard, Guaranteed replacement cost, Watercraft endorsement, Renters loss of use, Renters landlord coverage, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage A, 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, 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, Special limits, 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, 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 a homeowners policy, the dwelling itself is insured under which coverage?
Coverage A
Coverage A insures the dwelling itself, while other coverages address contents, other structures, loss of use, and liability.
2. Coverage B of a homeowners policy insures:
Detached structures like a shed
Coverage B covers structures not attached to the dwelling, such as detached garages and sheds, normally at 10% of Coverage A.
3. A homeowners policyholder's furniture and belongings are insured under which coverage?
Personal property
Coverage C insures the insured's personal property, often on a named-perils basis and at a percentage of the Coverage A limit.
4. Coverage D (loss of use) pays for:
Extra living costs after a covered loss
Coverage D pays additional living expenses above normal costs when a covered loss makes the home uninhabitable; it is normally 20% of Coverage A in North Carolina.
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.
