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  4. Dwelling Policy

Free Dwelling Policy Practice Questions

Idaho Personal Lines exam — 43 practice questions.

Subtopics: Dwelling policy use, No automatic liability, Basic form, Special form, Fair rental value, Other structures, Theft coverage, Purpose, No liability, DP-1 basic form, DP-3 special form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Eligible dwellings, Loss settlement, Extended coverage perils, Vandalism endorsement, Other coverages debris removal, Improvements by tenant, Personal liability supplement, Excluded perils, DP-2 broad form, Coverage C optional, Automatic increase, Theft endorsement, Reasonable repairs, Trees shrubs and plants, Fire department service charge, Property removed, Worldwide personal property, Definition of insured, Coinsurance clause, DP-3 loss settlement, Collapse coverage, Seasonal dwelling, Other structures rented, Lightning peril, Glass coverage, Fair rental value vs ALE, Ordinance or law

Read the Dwelling Policy study guide

Sample questions & answers

1. A dwelling (DP) policy is most commonly used to insure:

A rental or non-owner-occupied dwelling

The dwelling policy is commonly used for rental or non-owner-occupied dwellings that do not qualify for a homeowners policy.

2. Compared with a homeowners policy, a basic dwelling policy:

Does not automatically include personal liability coverage

A dwelling policy primarily covers property; personal liability is not automatically included and must be added.

3. The DP-1 (basic form) dwelling policy provides coverage on:

A named-peril basis for a limited list of perils

The DP-1 basic form covers a limited list of named perils such as fire and lightning, with others available by extension.

4. The DP-3 (special form) dwelling policy generally insures the dwelling on:

An open-peril (all-risk) basis except for stated exclusions

the DP-3 special form insures the dwelling on an open-peril basis, covering risks of direct loss except those excluded.

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Practice: Dwelling 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.