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  4. Homeowners Policy Concepts

Free Homeowners Policy Concepts Practice Questions

Ohio Property exam — 60 practice questions.

Subtopics: Eligibility, HO-3 special, HO-4 renters, HO-6 condo, HO-8 modified, Coverage C limit, Coverage B limit, Loss of use, Coverage E liability, Coverage F medical payments, Replacement cost requirement, Special limits, Standard mortgage clause, Vacant vs unoccupied, Open vs named perils, Loss assessment, Debris removal, Trees and shrubs, Ordinance or law, Appraisal condition, Business pursuits, Home day care, Personal injury, Watercraft endorsement, Fungi limitation, Permitted incidental occupancies, Identity fraud, Earthquake endorsement, Scheduled personal property, Water and sewer backup, HO-2 broad form, HO-5 comprehensive form, Coverage A dwelling, Section I vs Section II, Medical payments exclusions, Credit card and forgery coverage, Collapse additional coverage, Glass or safety glazing, Landlords furnishings, Fire department service charge, Reasonable repairs, Property removed coverage, Damage to property of others, Money special limit, Volcanic eruption, Firearms theft limit, Business property on-premises limit, Personal property replacement cost, Grave markers, Refrigerated food spoilage, Concealment or fraud condition, Intentional loss exclusion, Neglect exclusion, Power failure exclusion, Nuclear hazard exclusion, Motor vehicle liability exclusion, Aircraft liability exclusion, Severability of insurance, Loss payment condition, Our option to repair or replace

Read the Homeowners Policy Concepts study guide

Sample questions & answers

1. The Homeowners Policy is generally available to:

Owner-occupants of a dwelling, and renters or condo unit owners under specific forms

Homeowners forms cover owner-occupied dwellings, with HO-4 for renters and HO-6 for condominium unit owners.

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

A named-perils (broad) basis

HO-3 insures the dwelling and other structures on open perils, while personal property is covered for named (broad) perils.

3. The HO-4 form is designed for:

Tenants, covering personal property and liability but not the building

HO-4 (renters) covers a tenant's personal property and personal liability; the building is the landlord's responsibility.

4. The HO-6 form is intended for:

Condominium unit owners, with limited building coverage and personal property

HO-6 covers a condo unit owner's personal property, liability, and a limited amount of building (interior improvements).

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Practice: Homeowners Policy Concepts

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.