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  2. Idaho
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Idaho Personal Lines exam — 75 practice questions.

Subtopics: Special form, Coverage A, Coverage C, Loss of use, Personal liability, Medical payments, Renters form, Condo form, Replacement cost, Special limits, Scheduled property, Business exclusion, Flood exclusion, Ordinance or law, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage B, 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, 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 (special form) homeowners policy generally insures the dwelling on:

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

The HO-3 insures the dwelling on an open-peril basis, covering risks of direct loss except those specifically excluded.

2. Coverage A of a homeowners policy applies to the:

Dwelling structure

Coverage A insures the dwelling structure itself, including attached structures such as a garage.

3. Coverage C of a homeowners policy insures:

The insured's personal property

Coverage C insures the insured's personal property, generally on a named-peril basis in the HO-3.

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

Additional living expenses when the home is uninhabitable after a covered loss

Loss of use pays additional living expenses and lost fair rental value when a covered loss makes the home uninhabitable.

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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.