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  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Montana Personal Lines exam — 75 practice questions.

Subtopics: Special form, Coverage A, Other structures, Personal property, Loss of use, Personal liability, Medical payments to others, Renters form, Replacement cost contents, Coinsurance requirement, Scheduled property, Excluded perils, Insured location, Liability exclusions, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, 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, 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. The HO-3 homeowners form typically 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 and personal property on a named-peril basis.

2. Coverage A of a homeowners policy applies to the:

dwelling structure itself

Coverage A applies to the dwelling structure itself.

3. A detached garage or storage shed on the insured premises is covered under:

Coverage B, other structures

Detached structures such as a garage or shed are covered under Coverage B, other structures.

4. Household contents such as furniture and clothing are insured under:

Coverage C, personal property

Household contents are insured under Coverage C, personal property.

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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 Insurance Department and the exam administrator before relying on it.