Free Homeowners Policy Practice Questions
West Virginia Personal Lines exam — 185 practice questions.
Subtopics: New homeowners policies, HO-3 form, Coverage A, Coverage C, Coverage D, HO-4 renters, HO-6 condo, Coverage E, Coverage F, Flood exclusion, Special limits, Scheduled property, Other structures, Ordinance or law, Liability exclusions, Identity theft, Personal injury endorsement, Replacement cost contents, Scope of 33-17A, Declination notice, Cancellation notice, Renewal notice, Permissible cancellations, Weather claim protection, Four-year policies, Alternative nonrenewal, Alternative nonrenewal notice, Prohibited declinations, Not a termination, Policy period rules, Renewal with reduced coverage, 33-17A sanctions, 33-17A remedies, Transfers within a group, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage B, 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, 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, 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. During the first 60 days a new West Virginia homeowners policy is in effect, the statutory list of permissible cancellation reasons in W. Va. Code 33-17A-5:
Does not yet restrict the reasons the insurer may cancel
W. Va. Code 33-17A-5 limits cancellation reasons only after coverage has been in effect for more than sixty days or after a renewal takes effect; written notice with specific reasons is still required by 33-17A-4(b).
2. The HO-3 (special form) homeowners policy generally insures the dwelling on a(n):
Open-peril (all-risk) basis and personal property on a named-peril basis
The HO-3 covers the dwelling on an open-peril basis while covering personal property on a named-peril basis.
3. Coverage A of a homeowners policy applies to the:
Dwelling structure
Coverage A insures the dwelling, including structures attached to it.
4. Coverage C of a homeowners policy insures:
Personal property (contents)
Coverage C covers the insured's personal property (contents), typically 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.
