1. Exam Prep
  2. Oregon
  3. Personal Lines
  4. Dwelling Policy

Free Dwelling Policy Practice Questions

Oregon Personal Lines exam — 43 practice questions.

Subtopics: Dwelling versus homeowners, DP-1 basic form, DP-3 special form, Non-owner-occupied, Fair rental value, DP-2 broad form, Liability addition, Purpose, No liability, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Eligible dwellings, Loss settlement, Extended coverage perils, Vandalism endorsement, Other coverages debris removal, Improvements by tenant, Personal liability supplement, Excluded perils, Coverage C optional, Automatic increase, Theft endorsement, Reasonable repairs, Trees shrubs and plants, Fire department service charge, Property removed, Worldwide personal property, Definition of insured, Coinsurance clause, DP-3 loss settlement, Collapse coverage, Seasonal dwelling, Other structures rented, Lightning peril, Glass coverage, Fair rental value vs ALE, Ordinance or law

Read the Dwelling Policy study guide

Sample questions & answers

1. A key difference between a dwelling policy and a homeowners policy is that the dwelling policy:

Does not automatically include personal liability or, in basic forms, theft coverage

Unlike the homeowners policy, the dwelling policy does not automatically include personal liability, and basic forms exclude theft.

2. The DP-1 (basic) dwelling form covers a limited list of named perils beginning with:

Fire, lightning, and internal explosion, with others available to add

The DP-1 basic form covers fire, lightning, and internal explosion, with additional perils such as windstorm available by extension.

3. The DP-3 (special) dwelling form generally insures the dwelling on a(n):

Open-peril (all-risk) basis

The DP-3 special form insures the dwelling on an open-peril basis, covering all causes of loss except those excluded.

4. A landlord insuring a rented single-family house that is not owner-occupied would most appropriately use:

A dwelling policy

A dwelling policy is appropriate for rented, non-owner-occupied homes, which are not eligible for a standard homeowners policy.

All Personal Lines topics

Practice: Dwelling 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.