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  2. Washington
  3. Personal Lines
  4. Homeowners Policy

Free Homeowners Policy Practice Questions

Washington Personal Lines exam — 71 practice questions.

Subtopics: Tenants form, Condominium form, Open peril dwelling, Additional living expense, Scheduling valuables, Ordinance or law, Medical payments, Special limits, Personal liability, Loss assessment, HO purpose, HO-3 special form, HO-5 comprehensive, HO-4 renters, HO-6 condo, HO-8 modified, Coverage A, Coverage B, Coverage C, 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, 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, Coinsurance calculation

Read the Homeowners Policy study guide

Sample questions & answers

1. A renter who wants to insure personal property and liability but not the building would buy:

A renters (tenant) homeowners form

The tenant (renters) form covers personal property and liability for renters without insuring the building structure.

2. A condominium unit owner who needs coverage for interior improvements and personal property would choose:

A condominium unit-owners homeowners form

The condo unit-owners form covers the owner's personal property, liability, and certain interior improvements.

3. A common homeowners form that insures the dwelling on an open-peril (special) basis is:

The HO-3 type special form

The HO-3 type special form insures the dwelling against open perils (risks not excluded) and personal property on a named-peril basis.

4. If a covered fire makes a Washington home unlivable, additional living expense coverage helps pay for:

Increased costs of temporary housing and living

Additional living expense pays the reasonable increase in living costs while the residence is being repaired after a covered loss.

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.