Free Homeowners Policy Practice Questions
Vermont Personal Lines exam (series 14-39) — 164 practice questions.
Subtopics: Special form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, Renters form, Condominium form, Insurance to value, Broad form, Flood exclusion, Earthquake exclusion, Special limits, Liability scenario, Contents valuation, Matching, 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, 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, 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 (special form) homeowners policy generally insures the dwelling on:
Open perils, except perils that are excluded
The HO-3 insures Coverages A and B against direct physical loss unless the loss is excluded (open perils). Coverage C is written on a named-perils basis.
2. Coverage A of a homeowners policy applies to:
The dwelling
Coverage A insures the dwelling on the residence premises, including attached structures.
3. Coverage B of a homeowners policy applies to:
A detached garage or shed
Coverage B covers other structures on the residence premises set apart from the dwelling by clear space, such as a detached garage or shed.
4. Coverage C of a homeowners policy insures:
Personal property
Coverage C insures personal property owned or used by an insured, anywhere in the world.
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.
