1. Exam Prep
  2. South Carolina
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

South Carolina Personal Lines exam — 75 practice questions.

Subtopics: Coverage A, Coverage C, Coverage B, Coverage D, Coverage E, Coverage F, HO-3 form, HO-4 renters, HO-6 condo, Flood exclusion, Earthquake, Replacement cost, Coinsurance, Personal liability, HO purpose, HO-3 special form, HO-5 comprehensive, HO-8 modified, 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. In a homeowners policy, Coverage A insures:

The dwelling

Coverage A insures the dwelling itself, including structures attached to it.

2. Coverage C in a homeowners policy insures:

Personal property (contents)

Coverage C insures personal property (contents) owned or used by the insured.

3. Coverage B in a homeowners policy insures:

Other structures such as a detached garage or fence

Coverage B insures other structures on the premises that are separated from the dwelling, such as a detached garage or fence.

4. Coverage D (loss of use) in a homeowners policy pays for:

Additional living expenses when the home is uninhabitable due to a covered loss

Coverage D pays additional living expenses and lost rental value when a covered loss makes the residence uninhabitable.

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