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  2. Vermont
  3. Personal Lines
  4. Homeowners

Free Homeowners Practice Questions

Vermont Personal Lines exam — 52 practice questions.

Subtopics: Special form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F, Renters form, Condominium form, Insurance to value, Broad form, Flood exclusion, Earthquake exclusion, Special limits, Liability scenario, Contents valuation, Purpose, No liability, DP-1 basic form, DP-3 special form, 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

Sample questions & answers

1. The HO-3 (special form) homeowners policy generally insures the dwelling on:

An open-perils (all-risk) basis, except perils specifically excluded

HO-3 covers the dwelling on an open-perils basis, paying for direct loss unless a peril is specifically excluded.

2. Coverage A of a homeowners policy applies to:

The dwelling structure itself

Coverage A insures the dwelling, the main residence structure, including attached structures.

3. Coverage B of a homeowners policy applies to:

Other structures such as a detached garage or shed

Coverage B insures other structures on the premises not attached to the dwelling, such as a detached garage or fence.

4. Coverage C of a homeowners policy insures:

The insured's personal property (contents)

Coverage C insures the insured's personal property, typically on a named-perils basis under HO-3.

All Personal Lines topics

Practice: Homeowners

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.