HUD CERTIFICATION EXAM SCRIPT 2026 FULL
QUESTIONS AND CORRECT ANSWERS
GRADED A+
◉ FHAP. Answer: HUD's Fair Housing Assistance Program
Provides funding to state and local agencies that enforce those
additional fair housing protections as long as the protections are
substantially equivalent to the Fair Housing Act.
◉ AFFH. Answer: Affirmatively Furthering Fair Housing
◉ PHA. Answer: Public Housing Authorities
◉ Eviction. Answer: A legal process by which someone is expelled
from a property, usually a tenant from a rental property.
◉ Lease Types:
Written Lease. Answer: A written document outlining the terms by
which a property will be rented. They provide security and can
simplify the process of resolving conflicts.
,◉ Lease Types:
Oral Lease. Answer: An agreement that is discussed verbally, but not
put in writing, which outlines the terms by which a property will be
rented. They are recognized and enforced in many states, but they
rely simply on the memories of the involved parties and thus can
lead to arguments.
◉ Tenancy Types:
Contractual Tenancy. Answer: An arrangement in which both a
tenant and a landlord sign an official lease, which outlines a fixed
term of tenancy, a rent payment process and other rental conditions.
◉ Tenancy Types:
Tenancy at Will. Answer: An arrangement in which the tenant
receives permission from the homeowner to reside in a home
without a formal lease, rent payment or a specified rental period.
◉ Tenancy Types:
Tenancy at Sufferance. Answer: An arrangement in which a tenant is
allowed to reside in a home after a lease has expired as long as they
continue to meet the condition s of the original lease.
◉ Possible reasons to terminate a lease without paying rent for the
entire lease period.. Answer: -The landlord breaches conditions
stated in the lease
,-The property becomes uninhabitable
-You or your spouse are relocated for a military assignment
◉ Content Coverage. Answer: This coverage is also known as
personal processions coverage. They reimburses policyholders for
personal property destroyed by certain perils. Depending on the
policy insurers can reimburse the tenant for damaged clothing,
furniture, household items, musical instruments, laptops and other
items.
Example: Thief steels laptop insurance may reimburse for the value
of the laptop.
◉ Personal Property. Answer: While homeowners policies cover
most personal property, certain valuable items such as expensive
jewelry, artwork or silverware may have limited coverage. Clients
with valuable family heirlooms or other expensive items may want
to consider a "floater", a separate policy that provides insurance for
specific valuables.
◉ Perils. Answer: Qualifying perils may vary by insurance policy.
Some examples of possible qualifying perils include fire,
windstorms, hail, vandalism, and theft. Most regular renters
insurance policies will not cover damaged caused by earthquakes or
flooding.
, ◉ Loss-of-Use Coverage. Answer: Loss-of-use coverage is also
known as additional living expense coverage. It provides funding for
housing and food expenses of policyholders who temporarily cannot
live in their rental home when it is damaged or destroyed by certain
perils.
Example: If fire destroys home then hotel stay and food can be
reimbursed.
◉ Personal Liability Coverage. Answer: Personal liability coverage
provides funding for a defense lawyer or legal judgement if a
policyholder is sued for a negligent act that led to a guest's injury.
Example: If someone trips and gets injured over clutter that doesn't
belong to them they can file a negligence lawsuit against the
policyholder.
◉ Umbrella Policy. Answer: Personal liability coverage provides
funding only up to a certain limit. Those who need a larger amount
of liability protection can purchase an "umbrella" policy, which kicks
in when a limit on the main coverage is reached.
◉ Insurance Add-Ons. Answer: Add-ons are often referred to as
"riders" and "endorsements". Common add-ons include:
-Earthquake and Flood Coverage
QUESTIONS AND CORRECT ANSWERS
GRADED A+
◉ FHAP. Answer: HUD's Fair Housing Assistance Program
Provides funding to state and local agencies that enforce those
additional fair housing protections as long as the protections are
substantially equivalent to the Fair Housing Act.
◉ AFFH. Answer: Affirmatively Furthering Fair Housing
◉ PHA. Answer: Public Housing Authorities
◉ Eviction. Answer: A legal process by which someone is expelled
from a property, usually a tenant from a rental property.
◉ Lease Types:
Written Lease. Answer: A written document outlining the terms by
which a property will be rented. They provide security and can
simplify the process of resolving conflicts.
,◉ Lease Types:
Oral Lease. Answer: An agreement that is discussed verbally, but not
put in writing, which outlines the terms by which a property will be
rented. They are recognized and enforced in many states, but they
rely simply on the memories of the involved parties and thus can
lead to arguments.
◉ Tenancy Types:
Contractual Tenancy. Answer: An arrangement in which both a
tenant and a landlord sign an official lease, which outlines a fixed
term of tenancy, a rent payment process and other rental conditions.
◉ Tenancy Types:
Tenancy at Will. Answer: An arrangement in which the tenant
receives permission from the homeowner to reside in a home
without a formal lease, rent payment or a specified rental period.
◉ Tenancy Types:
Tenancy at Sufferance. Answer: An arrangement in which a tenant is
allowed to reside in a home after a lease has expired as long as they
continue to meet the condition s of the original lease.
◉ Possible reasons to terminate a lease without paying rent for the
entire lease period.. Answer: -The landlord breaches conditions
stated in the lease
,-The property becomes uninhabitable
-You or your spouse are relocated for a military assignment
◉ Content Coverage. Answer: This coverage is also known as
personal processions coverage. They reimburses policyholders for
personal property destroyed by certain perils. Depending on the
policy insurers can reimburse the tenant for damaged clothing,
furniture, household items, musical instruments, laptops and other
items.
Example: Thief steels laptop insurance may reimburse for the value
of the laptop.
◉ Personal Property. Answer: While homeowners policies cover
most personal property, certain valuable items such as expensive
jewelry, artwork or silverware may have limited coverage. Clients
with valuable family heirlooms or other expensive items may want
to consider a "floater", a separate policy that provides insurance for
specific valuables.
◉ Perils. Answer: Qualifying perils may vary by insurance policy.
Some examples of possible qualifying perils include fire,
windstorms, hail, vandalism, and theft. Most regular renters
insurance policies will not cover damaged caused by earthquakes or
flooding.
, ◉ Loss-of-Use Coverage. Answer: Loss-of-use coverage is also
known as additional living expense coverage. It provides funding for
housing and food expenses of policyholders who temporarily cannot
live in their rental home when it is damaged or destroyed by certain
perils.
Example: If fire destroys home then hotel stay and food can be
reimbursed.
◉ Personal Liability Coverage. Answer: Personal liability coverage
provides funding for a defense lawyer or legal judgement if a
policyholder is sued for a negligent act that led to a guest's injury.
Example: If someone trips and gets injured over clutter that doesn't
belong to them they can file a negligence lawsuit against the
policyholder.
◉ Umbrella Policy. Answer: Personal liability coverage provides
funding only up to a certain limit. Those who need a larger amount
of liability protection can purchase an "umbrella" policy, which kicks
in when a limit on the main coverage is reached.
◉ Insurance Add-Ons. Answer: Add-ons are often referred to as
"riders" and "endorsements". Common add-ons include:
-Earthquake and Flood Coverage
