Free Homeowners Policy Practice Questions
Missouri Personal Lines exam — 178 practice questions.
Subtopics: HO-3 special form, Coverage A, Coverage C, Coverage D, Coverage E, Coverage F, Replacement cost, Actual cash value, Excluded perils, Special limits, Coinsurance, Liability scope, Scheduling valuables, Ordinance or law, Homeowners cancellation scope, Cancellation new business, Cancellation grounds, Cancellation notice, Nonpayment cancellation, Cancellation reasons, Cancellation notice content, Nonrenewal notice, Nonrenewal exceptions, Affiliate transfers, Proof of notice, Reinstatement after notice, Multiyear policies, Notice immunity, Notice delivery, Residence and occupation, HO purpose, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage B, Coverage C trailer limit, 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, Flood exclusion, Section II exclusion own injury, Eligibility owner-occupied, Identity theft endorsement, HO-2 broad form, Coverage B limit, Coverage D duration, 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, Definition of insured, Business definition, Residence premises, Insured location, Coverage B exclusions, Coverage C other residences, Coverage C self-storage, Moving to new residence, Property not covered, Debris removal, Tree debris removal, Trees, shrubs and plants, Credit card coverage, Collapse, Landlord's furnishings, Grave markers, Freezing exclusion, Vacancy, Open perils exclusions, Windstorm peril, Falling objects, Theft peril, Electrical current, Earth movement, Water exclusion, Intentional loss, Insurance to value calculation, Insurance to value, Replacement cost settlement, Loss settlement, Duties after loss, Mortgage clause, Abandonment, Volcanic eruption, Motor vehicle liability, Section II exclusions, Business exclusion, Contractual liability, Section II loss assessment, Section II other insurance, Cancellation, Liberalization, Death of insured, HO-4, HO-6, Workers compensation for residence employees, Additional coverages
Read the Homeowners Policy study guide
Sample questions & answers
1. Which homeowners form insures the dwelling against open perils and personal property against named perils?
HO-3 special form
The HO-3 insures the dwelling on an open-peril basis and personal property against named perils.
2. In a homeowners policy, Coverage A insures:
The dwelling
Coverage A insures the dwelling on the residence premises.
3. Coverage C in a homeowners policy insures:
Personal property
Coverage C insures personal property owned or used by an insured anywhere in the world.
4. Coverage D (loss of use) pays for:
Additional living expense while the home is unfit to live in
Coverage D pays additional living expense, fair rental value and civil authority loss after a covered loss.
Practice: Homeowners Policy
Answer choices are shuffled every time, and every question comes with an explanation.
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.
