1. Exam Prep
  2. West Virginia
  3. Personal Lines
  4. Homeowners

Free Homeowners Practice Questions

West Virginia Personal Lines exam — 105 practice questions.

Subtopics: HO-3 form, Coverage A, Coverage C, Coverage D, HO-4 renters, HO-6 condo, Coverage E, Coverage F, Flood exclusion, Special limits, Scheduled property, Other structures, Ordinance or law, Liability exclusions, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Replacement cost, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named perils, Open perils, Burden of proof, Subrogation, Salvage, Appraisal provision, Pro rata other insurance, Vacancy, Real vs personal property, Negligence, Elements of negligence, Compensatory damages, Punitive damages, Bodily injury, Property damage, Occurrence, Absolute liability, Vicarious liability, Comparative negligence, Liability limits, Binder, Endorsement, Stated value vs agreed value, Abandonment, Mortgagee clause, Assignment, Proximate cause, Attractive nuisance, Hold harmless agreement, Certificate of insurance, Valued policy, Blanket vs specific, Liability vs property insurance, Duties after loss, Concurrent causation, Conditions section, Definitions section, Pair or set clause, Inflation guard, Aggregate limit, Combined single limit, Sublimit, Self-insured retention, Primary vs excess coverage, Excess other insurance clause, Escape other insurance clause, Flat cancellation, Pro rata cancellation, Short-rate cancellation, Nonrenewal, Liberalization clause, No benefit to bailee, Loss payable clause, Sue and labor, Occurrence trigger, Retroactive date, Extended reporting period, Contributory negligence, Last clear chance, Res ipsa loquitur, Assumption of risk, Negligence per se, General vs special damages, Nominal damages, Direct vs consequential loss, Time element coverage, Catastrophe, Floater, Wear and tear exclusion, Inherent vice exclusion, Mysterious disappearance, Pollution exclusion, Earth movement exclusion, Personal injury offense, Duty to defend, Defense within limits, Statute of limitations, Pure premium, Exposure unit, Reasonable repairs, Actual cash value calculation

Sample questions & answers

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

Open-peril (all-risk) basis and personal property on a named-peril basis

The HO-3 covers the dwelling on an open-peril basis while covering personal property on a named-peril basis.

2. Coverage A of a homeowners policy applies to the:

Dwelling structure

Coverage A insures the dwelling, including structures attached to it.

3. Coverage C of a homeowners policy insures:

Personal property (contents)

Coverage C covers the insured's personal property (contents), typically anywhere in the world.

4. Coverage D (loss of use) of a homeowners policy pays for:

Additional living expenses when the home is uninhabitable due to a covered loss

Coverage D pays additional living expenses and lost fair rental value while the residence is uninhabitable after a covered loss.

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.