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  2. North Carolina
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

North Carolina Personal Lines exam — 72 practice questions.

Subtopics: Coverage A dwelling, Coverage B other structures, Coverage C contents, Loss of use, Personal liability, Medical payments to others, Flood exclusion, HO-3, HO-4 renters, HO-6 condo, Coastal wind, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage A, 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, 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. Under a homeowners policy, the dwelling itself is insured under which coverage?

Coverage A

Coverage A insures the dwelling itself, while other coverages address contents, other structures, loss of use, and liability.

2. Coverage B of a homeowners policy insures:

Other structures such as a detached garage or fence

Coverage B insures other structures on the residence premises, such as detached garages, sheds, and fences, typically at a percentage of Coverage A.

3. A homeowners policyholder's furniture and belongings are insured under which coverage?

Personal property (contents)

Coverage C insures the insured's personal property, often on a named-perils basis and at a percentage of the Coverage A limit.

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

Additional living expenses when a covered loss makes the home uninhabitable

Loss of use pays additional living expenses and lost rental value when a covered peril makes the home uninhabitable, subject to limits.

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.