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  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Virginia Personal Lines exam — 75 practice questions.

Subtopics: Two sections, Coverage A dwelling, Coverage B, Coverage C, Coverage D loss of use, Personal liability, Flood exclusion, Earthquake, Named peril vs open peril, Replacement cost contents, Eligibility, Condo form, Medical payments to others, Special limits, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage A, Coverage D, Coverage E, Coverage F, 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. A homeowners policy is divided into:

Property coverage and liability coverage

Homeowners policies include Section I (property) and Section II (liability).

2. Coverage A of a homeowners policy insures:

The dwelling

Coverage A insures the dwelling structure.

3. Coverage B of a homeowners policy insures:

Other structures such as a detached garage or shed

Coverage B insures other structures (detached garage, fence, shed) separate from the dwelling.

4. Coverage C of a homeowners policy insures:

Personal property

Coverage C insures the insured's personal property.

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.