Free Homeowners Policy Practice Questions
Wisconsin Personal Lines exam (series 22-09) — 167 practice questions.
Subtopics: Coverage A, Coverage B, Coverage C, Coverage D, Personal liability, Medical payments to others, HO-3 perils, Replacement cost, Actual cash value, Coinsurance clause, Flood exclusion, Scheduled personal property, Special limits, HO-4 renters, Valued policy law, Valued policy - criminal fault, Valued policy - covered property, Valued policy - exclusions, Valued policy - razed property, Valued policy - multiple policies, HO purpose, HO-3 special form, HO-5 comprehensive, HO-6 condo, HO-8 modified, Coverage C trailer limit, 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, 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. In a homeowners policy, Coverage A insures:
The dwelling itself
Coverage A insures the dwelling, the main residence structure, against covered perils.
2. Coverage B in a homeowners policy applies to:
Other structures, like a detached garage or fence
Coverage B insures other structures on the premises not attached to the dwelling, like detached garages and fences.
3. Coverage C of a homeowners policy covers:
Personal property of the insured
Coverage C insures the insured's personal property (contents) against covered perils, often worldwide.
4. Coverage D (loss of use) in a homeowners policy pays for:
Additional living expense when a covered loss makes the home unlivable
Loss of use pays additional living expenses and lost rental value when a covered loss makes the home uninhabitable.
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.
