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  2. South Dakota
  3. Personal Lines
  4. Dwelling Policy

Free Dwelling Policy Practice Questions

South Dakota Personal Lines exam — 43 practice questions.

Subtopics: Dwelling versus homeowners, Basic form perils, Coverage A, Other structures, Fair rental value, Special form, Vacancy, Purpose, No liability, DP-1 basic form, DP-3 special form, 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, DP-2 broad form, 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. Compared with a homeowners policy, a dwelling (DP) policy is frequently used for:

Non-owner-occupied or rental dwellings, and it does not automatically include personal liability

Dwelling policies are often used for rental or non-owner-occupied homes and do not automatically include personal liability.

2. The DP-1 (basic form) dwelling policy typically covers:

A limited list of perils such as fire and lightning, with windstorm and hail available by extension

The DP-1 basic form covers a short list of named perils, with extended coverage perils such as windstorm and hail added by option.

3. In a dwelling policy, Coverage A applies to:

The dwelling structure itself

Coverage A in a dwelling policy insures the described dwelling structure.

4. A detached garage on the insured premises is generally covered under the dwelling policy's:

Coverage B - Other Structures

Detached structures such as a separate garage are insured under Coverage B, Other Structures.

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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.