P&c Pratice Exam 5

Front 1

Structures on the premises separated by clear space from the dwelling are covered under which part of the Homeowners Policy?

Back 1

Coverage B

Front 2

Which statement is false concerning a Homeowners Policy?

Back 2

The HO-4 covers the dwelling for the Broad Form (named) Perils

Front 3

With the Water Back Up endorsement, what is the maximum coverage the insured will have for direct physical loss to property due to water backing up through the drains?

Back 3

$5,000

Front 4

Section II of the Homeowners Policy will not pay for which of the following claims?

Back 4

Medical expense of a boarder who is injured in one of the insured's bedrooms that he rents

Front 5

Which of the following is not covered under Coverage A of the Homeowners Policy?

Back 5

The land on which the dwelling is located

Front 6

At what age is an unrelated resident of the named insured no longer an 'insured'?

Back 6

21, if in the care of the named insured or a resident relative

Front 7

The HO-5 personal property Coverages are insured on a(n) __________ basis.

Back 7

Open Peril

Front 8

Which of the following is eligible to receive medical payments under Section II of a Homeowners Policy?

Back 8

A residence employee

Front 9

Coverage for injury resulting from invasion of privacy is covered under which Endorsement?

Back 9

Personal Injury Endorsement

Front 10

Choose the Form designed for the unit-owner of a condominium.

Back 10

HO-6

Front 11

Which of the following is not excluded under Coverages E and F?

Back 11

Bodily injury arising out of the normal use of prescription drugs

Front 12

Which statement is false about a Homeowners Policy?

Back 12

It has a $500 limit for trailers not used with watercraft

Front 13

Which claim involving tree damage is not covered under the Homeowners Policy?

Back 13

A severe windstorm blew a tree down

Front 14

Which of the following claims is covered by the First Aid Expenses under the Homeowners Policy?

Back 14

A neighbor who gets injured while helping the insured install a carpet

Front 15

Choose the false statement about the Homeowners Policy.

Back 15

Coverage C extends to animals, birds, or fish owned by the insured

Front 16

Choose the false statement about Coverage F in a Homeowners Policy.

Back 16

Under Coverage F, payments apply to necessary medical expenses incurred within a maximum of one year

Front 17

All of the following are covered under a Homeowners Policy, except:

Back 17

All living expenses that occurred elsewhere after a covered loss

Front 18

The Personal Injury Endorsement would cover a(n):

Back 18

Liability arising from oral or written publication of material that violates a person's right of privacy

Front 19

An employee whose duties are related to the maintenance of the residence premises, is defined as which of the following under Section II of the Homeowners Policy?

Back 19

Residence Employee

Front 20

Which of the following would be covered under the Damage to Property of Others additional coverage of the Homeowners Policy?

Back 20

Damage caused intentionally by the insured's 10-year-old son

Front 21

Choose the false statement regarding Section II of a Homeowners Policy.

Back 21

If the named insured or the spouse dies, coverage does not continue for the legal representatives

Front 22

Which statement is false concerning Section II of a Homeowners Policy?

Back 22

It provides no defense in event of groundless, false or fraudulent claim

Front 23

All of the following are true of the HO-2, except:

Back 23

The HO-2 pays for losses on an open peril basis

Front 24

Choose the answer that is true regarding the Homeowner HO-4 and HO-6 Forms.

Back 24

The HO-4 is used to insure the personal property and personal liability of the insured, but does not include the structure itself

Front 25

The HO-8 form settles losses to the building on what valuation method?

Back 25

Functional replacement value