Free Homeowners Policy Practice Questions
New Hampshire Personal Lines exam (series 12-86) — 166 practice questions.
Subtopics: HO-3 special form, HO-2 broad form, HO-4 renters, HO-5 comprehensive, Coverage A, Coverage B, Coverage C, Coverage D loss of use, Coverage E liability, Coverage F medical payments, Replacement cost, Coinsurance requirement, Open perils, Scheduled personal property, Flood notice, Nonrenewal for claims, Coverage inquiries, Jewelry claims, Domestic workers, HO purpose, HO-6 condo, HO-8 modified, Coverage C trailer limit, Coverage D, Coverage E, Coverage F, 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, Earthquake exclusion, Flood exclusion, Section II exclusion own injury, Eligibility owner-occupied, Identity theft endorsement, 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, 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 homeowners form generally insures the dwelling on an open-perils basis and personal property on a:
Named-perils basis
The HO-3 covers the dwelling on an open-perils basis and personal property on a named-perils basis.
2. The HO-2 broad form homeowners policy covers the dwelling and personal property on a:
Named-perils basis
The HO-2 broad form insures both the dwelling and personal property against named perils.
3. The HO-4 homeowners form is designed for:
Tenants who rent their homes
The HO-4 form is a renters policy covering a tenant's personal property and liability, not the building.
4. Compared with the HO-3 the HO-5 comprehensive form generally provides:
Open perils on home and contents
The HO-5 comprehensive form insures both the dwelling and personal property on an open-perils 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.
