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  4. Homeowners Coverage

Free Homeowners Coverage Practice Questions

Wyoming Personal Lines exam — 104 practice questions.

Subtopics: Special form, Coverage A, Coverage C, Coverage D, Coverage E, Coverage F, Coinsurance, Renters form, Condo form, Replacement cost, Open perils, Flood exclusion, Ordinance or law, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named 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 homeowners form typically insures the dwelling on an open-perils basis and personal property on a:

Named-perils basis

In the HO-3, the dwelling is covered on an open-perils basis while personal property is covered on a named-perils basis.

2. In a homeowners policy, Coverage A insures the:

Dwelling

Coverage A applies to the dwelling, including the house and structures attached to it.

3. Coverage C in a homeowners policy applies to the insured's:

Personal property

Coverage C insures personal property owned or used by the insured, typically on a named-perils basis in the HO-3.

4. If a covered fire makes a home temporarily uninhabitable, the additional living expenses are paid under:

Coverage D, Loss of Use

Coverage D, Loss of Use, pays additional living expenses when a covered loss makes the residence uninhabitable.

All Personal Lines topics

Practice: Homeowners Coverage

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.