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  2. Kentucky
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Kentucky Personal Lines exam — 75 practice questions.

Subtopics: HO-3 special form, HO-4 renters, HO-6 condo, HO-8 older home, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, Replacement cost, Open peril, Flood exclusion, Special limits, HO purpose, HO-5 comprehensive, HO-8 modified, 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 (special form) homeowners policy insures the dwelling on an open-peril basis and personal property on a:

Named-peril basis

The HO-3 covers the dwelling on an open-peril basis but insures personal property on a named-peril basis.

2. Which homeowners form is designed for tenants who rent their residence?

HO-4

The HO-4 (contents broad form) is the renters policy, covering a tenant's personal property and liability but not the building.

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

Condominium unit owners

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

4. The HO-8 homeowners form is intended for:

Older homes, often settling dwelling losses on a modified basis

The HO-8 form is for older homes and typically settles dwelling losses on an actual cash value or functional repair basis.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.