2025-2026 Personal Lines - homeowner's
What type of coverage does Part II of Homeowners insurance provide? - Answer
Personal liability coverage
What are some of the additional coverages that are included in a Homeowners policy
without additional premium? (name several) - Answer Debris removal,
lawns/plants/shrubs and trees, removal, reasonable repairs, and fire department
service charge
If a dwelling has been vacant for how many days, vandalism and malicious mischief
losses are not covered? - Answer 60 days
An insured with a Homeowners policy has removed property from the insured location
to protect it from loss that could be caused by a covered peril. The removal coverage
applies for how many days? - Answer 30 days
How is the coverage usually written for HO-8 forms? - Answer For the market value of
the property
What is mysterious disappearance? - Answer Misplacement or loss of property without
knowledge as to the location, time and cause of the loss
In Homeowners policies, what determines the amount an insurer will pay under
Coverage D? - Answer The amount of coverage on a dwelling
What is the maximum number of families per covered home that are allowed by
Homeowners policies? - Answer 4 families
What HO form provides coverage for a historic home that replacement cost is higher
What type of coverage does Part II of Homeowners insurance provide? - Answer
Personal liability coverage
What are some of the additional coverages that are included in a Homeowners policy
without additional premium? (name several) - Answer Debris removal,
lawns/plants/shrubs and trees, removal, reasonable repairs, and fire department
service charge
If a dwelling has been vacant for how many days, vandalism and malicious mischief
losses are not covered? - Answer 60 days
An insured with a Homeowners policy has removed property from the insured location
to protect it from loss that could be caused by a covered peril. The removal coverage
applies for how many days? - Answer 30 days
How is the coverage usually written for HO-8 forms? - Answer For the market value of
the property
What is mysterious disappearance? - Answer Misplacement or loss of property without
knowledge as to the location, time and cause of the loss
In Homeowners policies, what determines the amount an insurer will pay under
Coverage D? - Answer The amount of coverage on a dwelling
What is the maximum number of families per covered home that are allowed by
Homeowners policies? - Answer 4 families
What HO form provides coverage for a historic home that replacement cost is higher
