1. Exam Prep
  2. Kansas
  3. Property & Casualty
  4. Homeowners Policy Concepts

Free Homeowners Policy Concepts Practice Questions

Kansas Property & Casualty exam — 36 practice questions.

Subtopics: Coinsurance, Other structures, Condo form, Older home form, Ordinance or law, Loss assessment, Water backup, Broad form, Coverage forms, Property coverages, Liability coverages, HO-4 renters, HO-6 condominium, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage F medical payments, Coverage E personal liability, Special limits of liability, Loss of use, Scheduled personal property, Coverage B percentage, Coverage C percentage, Section II exclusions, Section I excluded perils

Read the Homeowners Policy Concepts study guide

Sample questions & answers

1. To settle dwelling losses at replacement cost, a homeowners policy commonly requires insuring to at least:

80 percent of replacement cost

Most homeowners policies require insuring to at least 80 percent of replacement cost to settle losses at replacement cost.

2. Coverage B of a homeowners policy covers:

Other or detached structures such as a shed or fence

Coverage B insures other (detached) structures such as a shed, fence, or detached garage.

3. The HO-6 homeowners form is designed for:

Condominium unit owners

The HO-6 form is tailored to condominium unit owners and their interior and personal property.

4. The HO-8 form is intended for older homes and often settles dwelling losses on a(n):

Actual cash value or functional repair basis

The HO-8 form settles older-home dwelling losses on an actual cash value or functional repair basis.

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Practice: Homeowners Policy Concepts

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.