Free Homeowners Policy Practice Questions

Rhode Island Personal Lines exam — 193 practice questions.

Practice Homeowners Policy

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, Hurricane deductible maximum, Hurricane deductible example, Flat hurricane deductible, Windstorm deductible, Hurricane deductible trigger, Block Island trigger, Hurricane deductible once per year, Hurricane deductible examples, Mitigation waives deductible, Mitigation nonrenewal, Small claim protection, Small claim exception, Catastrophe claim, Prior owner claims, Hurricane mediation, Hurricane deductible change notice, Surplus lines exempt, Nonrenewal plan, Flood notice, Flood notice timing, Flood notice content, Fire policy vacancy, Fire policy insurer cancellation, Fire policy proof of loss, Fire policy suit limitation, Fire policy mortgagee cancellation, Fire policy loss payable, Vandalism vacancy, Earthquake offer, Fire binder length, Lender must accept binder, Policy after binder at closing, Fire policy head statement, 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 perils for the dwelling, named perils for contents

The HO-3 covers the dwelling and other structures on an open-perils basis (subject to exclusions) and personal property on a named-perils basis.

2. The HO-4 form is designed for:

Tenants needing contents and liability

The HO-4 (contents broad form) is designed for tenants, covering personal property and liability but not 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 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.

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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.