Free Homeowners Policy Practice Questions
Oregon Personal Lines exam (series 12-14) — 180 practice questions.
Subtopics: HO-3 form, HO-4 form, HO-6 form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, Replacement cost, Excluded perils, Coinsurance, Scheduled property, Special limits, Homeowner cancellation reasons, Homeowner cancellation notice, Homeowner nonrenewal, New policy period, Claim in first 60 days, Prior claims, First claim rule, Coverage inquiries, Child care coverage, Home day care exposure, Time to rebuild, Disaster rebuild time, Disaster ALE, Combining limits, Contents without inventory, Wildfire map, Wildfire notice, Defensible space, Wildfire rating disclosure, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, 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, Flood 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 homeowners form generally insures the dwelling against:
Open (all-risk) perils except those excluded, while personal property is covered on a named-peril basis
The HO-3 insures the dwelling on an open-peril basis except for exclusions, while personal property is covered for named perils.
2. The HO-4 form is designed for:
Tenants (renters) who need contents and liability coverage
The HO-4 form provides personal property and liability coverage for tenants who do not own the building.
3. The HO-6 homeowners form is intended for:
Condominium unit owners
The HO-6 form is tailored to condominium unit owners, covering interior items and personal property.
4. Coverage A of a homeowners policy applies to the:
Dwelling structure
Coverage A insures the dwelling structure itself, including attached structures.
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.
