1. Exam Prep
  2. Maryland
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Maryland Personal Lines exam — 75 practice questions.

Subtopics: Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, HO-3 form, HO-4 form, HO-6 form, Replacement cost, Actual cash value, Coinsurance 80% rule, Excluded perils, Scheduled personal property, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Medical payments exclusion, Special limits jewelry, 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 in a homeowners policy insures the:

Dwelling

Coverage A insures the dwelling itself, including structures attached to it.

2. Coverage B in a homeowners policy insures:

Other structures separated from the dwelling

Coverage B insures other structures on the premises not attached to the dwelling, such as a detached garage or shed.

3. Coverage C in a homeowners policy insures:

Personal property (contents)

Coverage C insures the insured's personal property (contents), usually on a named-peril basis and often worldwide.

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

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

Loss of use pays additional living expenses and/or fair rental value when a covered loss makes the residence uninhabitable.

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.