1. Exam Prep
  2. Alabama
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Alabama Personal Lines exam — 75 practice questions.

Subtopics: HO-3 form, Coverage C, Coverage B, Loss of use, Coverage E liability, Coverage F medical payments, HO-4 renters, HO-6 condo, Flood exclusion, Earthquake, Special limits, Replacement cost on dwelling, Wind/hurricane deductible, Liability exclusions, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage A, Coverage D, Coverage E, Coverage F, 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, Section II exclusion own injury, Eligibility owner-occupied, Identity theft endorsement, HO-2 broad form, Coverage B default, Coverage D default, 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

Read the Homeowners Policy study guide

Sample questions & answers

1. The HO-3 homeowners form typically insures the dwelling on an open perils basis and personal property on:

A named perils basis

The HO-3 covers the dwelling on open perils and personal property on a named perils basis.

2. Coverage C in a homeowners policy insures:

Personal property of the insured

Coverage C provides protection for the insured's personal property (contents).

3. Coverage B in a homeowners policy applies to:

Other structures such as a detached garage or fence

Coverage B insures other structures separated from the dwelling, such as detached garages and fences.

4. Coverage D (loss of use) pays for:

Additional living expenses when the home is uninhabitable due to a covered loss

Loss of use pays additional living expenses and lost rental value while the home is uninhabitable after a covered loss.

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Practice: Homeowners Policy

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.