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  2. Colorado
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Colorado Personal Lines exam — 75 practice questions.

Subtopics: Coverage A dwelling, Coverage B other structures, Coverage C personal property, Coverage D loss of use, Coverage E personal liability, Coverage F medical payments, HO-3 special form, HO-4 renters, HO-6 condominium, Replacement cost, Coinsurance, Excluded perils, Special limits, Liability exclusions, HO purpose, HO-5 comprehensive, HO-6 condo, HO-8 modified, Coverage A, Coverage B, Coverage C, 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, Flood 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. Coverage A of a homeowners policy insures:

The dwelling structure itself

Coverage A insures the dwelling, including structures attached to it, against covered perils.

2. Coverage B of a homeowners policy applies to:

Detached structures such as a garage or shed

Coverage B insures other structures on the premises not attached to the dwelling, such as detached garages, fences, and sheds.

3. Coverage C in a homeowners policy insures:

The insured's personal property (contents)

Coverage C covers personal property owned or used by the insured, generally on or off the premises, subject to special limits.

4. Coverage D (loss of use) in a homeowners policy pays for:

Additional living expenses when a covered loss makes the home uninhabitable

Loss of use pays additional living expenses and lost fair rental value when a covered loss makes the residence unfit to live in.

All Personal Lines topics

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.