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

Free Homeowners Policy Practice Questions

South Dakota Personal Lines exam — 75 practice questions.

Subtopics: HO-3 coverage, Coverage C, Coverage D, Coverage E, Coverage F, HO-4 tenants, HO-6 condo, Replacement cost, Coinsurance requirement, Coinsurance calculation, Excluded perils, Special limits, Scheduled property, Liability exclusions, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-8 modified, Coverage A, Coverage B, 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, 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

Read the Homeowners Policy study guide

Sample questions & answers

1. The HO-3 homeowners form generally insures the dwelling on an open-peril basis and personal property on a:

Named-peril basis

The HO-3 covers the dwelling on an open-peril basis while insuring personal property against named perils.

2. Coverage C of a homeowners policy applies to:

The insured's personal property (contents)

Coverage C insures the insured's personal property, generally on a named-peril basis, subject to special limits.

3. If a covered loss makes the home uninhabitable, Coverage D (loss of use) helps pay for:

Additional living expenses while the home is repaired

Coverage D pays additional living expenses and lost rental value while the home is being repaired or rebuilt after a covered loss.

4. Coverage E in a homeowners policy is intended to provide:

Personal liability protection for bodily injury or property damage the insured causes others

Coverage E is personal liability coverage for sums the insured becomes legally liable to pay others for covered injury or damage.

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 Insurance Department and the exam administrator before relying on it.