Answers CIC Personal Lines –
Residential Exam 2026 Questions and
Answers
Homeowners "Insured" - Correct answer-- You
- Residents who are:
a) Relatives
b) <21 and in your care
-Full time student:
a) <24 and relative
b) <21 and in your care
Coverage B - What's Covered? - Correct answer-Other Structures
- Things on residence premises not attached to building, or connected only by
fence, wire, wall
- Not for business use
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, - Not rented,unless only as a garage
Perils Not Insured by HO-3 for A and B - Correct answer-- Collapse
- Freezing of plumbing, due to neglect
- Freezing/weight of water on pool, fences, patio
- Theft in residence under construction
- Vandalism if vacant > 60 days
- Mold unless hidden and resulting from accidental overflow of water
- Wear and tear
- Smoke from industry
- Pollution
- Settling, cracking, bulging of floors
- Birds, rodents, insects
- Nesting/infestation/waste of animals
- Animals owned/kept by insured
* BUT all ensuing water damage is covered
©COPYRIGHT 2025, ALL RIGHTS RESERVED 2
Residential Exam 2026 Questions and
Answers
Homeowners "Insured" - Correct answer-- You
- Residents who are:
a) Relatives
b) <21 and in your care
-Full time student:
a) <24 and relative
b) <21 and in your care
Coverage B - What's Covered? - Correct answer-Other Structures
- Things on residence premises not attached to building, or connected only by
fence, wire, wall
- Not for business use
©COPYRIGHT 2025, ALL RIGHTS RESERVED 1
, - Not rented,unless only as a garage
Perils Not Insured by HO-3 for A and B - Correct answer-- Collapse
- Freezing of plumbing, due to neglect
- Freezing/weight of water on pool, fences, patio
- Theft in residence under construction
- Vandalism if vacant > 60 days
- Mold unless hidden and resulting from accidental overflow of water
- Wear and tear
- Smoke from industry
- Pollution
- Settling, cracking, bulging of floors
- Birds, rodents, insects
- Nesting/infestation/waste of animals
- Animals owned/kept by insured
* BUT all ensuing water damage is covered
©COPYRIGHT 2025, ALL RIGHTS RESERVED 2
