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  2. New York
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

New York Personal Lines exam (series 17-54) — 30 practice questions.

Subtopics: HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, 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, Flood exclusion, Section II exclusion own injury, Eligibility owner-occupied, Identity theft endorsement

Sample questions & answers

1. A homeowners policy is a package policy that combines:

Property (Section I) and liability (Section II) coverages for the home

The homeowners policy packages property coverages (Section I) with personal liability coverages (Section II).

2. The HO-3 (Special Form) insures the dwelling on an open-perils basis and personal property on a:

Named-perils basis

HO-3 covers the dwelling and other structures on open perils but personal property on named perils.

3. The HO-5 (Comprehensive Form) differs from HO-3 by insuring personal property on a(n):

Open-perils basis

HO-5 provides open-perils coverage on both the dwelling and personal property, broader than HO-3.

4. The HO-4 (Contents Broad Form) is designed for:

Tenants (renters), covering personal property and liability but not the building

HO-4 covers a tenant's personal property and liability; it does not insure the building, which the landlord owns.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.