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

Free Homeowners Policy Practice Questions

Missouri Personal Lines exam — 75 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, HO purpose, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage B, 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 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. Which homeowners form insures the dwelling against open perils and personal property against named perils?

HO-3 special form

The HO-3 special form covers the dwelling on an open-peril basis and personal property on a named-peril basis.

2. In a homeowners policy, Coverage A insures:

The dwelling

Coverage A insures the dwelling structure itself.

3. Coverage C in a homeowners policy insures:

Personal property

Coverage C provides protection for the insured's personal property.

4. Coverage D (loss of use) pays for:

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

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