Ohio Property and Casualty (2026) EXAM || MOST RECENT
EXAM 2026-2027 ACTUAL COMPLETE REAL EXAM
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) ALREADY GRADED A+ | GUARANTEED
SUCCESS!! NEWEST EXAM | JUST RELEASED!!
When does the insurers duty to settle or defend end? -
ANSWER -When
payment for the settlement or judgement equals
the policy limit
What supplementary payments are included in the PAP? -
ANSWER -Bail
bonds-up to
$250
Appeal bonds and
interest
Loss of earnings-up to $200
per day
Is theft covered under homeowners policy? - ANSWER -Yes,
named peril
Does the residence need to be used exclusively as a residence
for a homeowners policy? - ANSWER -Yes, although certain
incidental other use is alright, like a home office
,How many family dwellings can be covered by a
homeowners policy? -
ANSWER
-4
Business in regards to a homeowners policy - ANSWER -More
than $2000 of
gross income per
year
Do Homeowners property coverages stack? - ANSWER -Yes,
usually stated as
a fixed percentage of
Coverage A
What are the stated percentages of Coverage A for the other
coverages of a
homeowners policy? - ANSWER -Coverage B-other
structures (10%)
Coverage C-personal
property (50%)
Coverage D-loss of use
(30%)
Homeowners Coverage C-how much is covered for off-
premises property? -
ANSWER -10% of the coverage
C limit
,What is the maximum limit of money, gold, coins, silver on a
homeowners polic -
ANSWER -
$200
What is the maximum limits for business property off-
premises for a
homeowners policy? - ANSWER
-$1500
What is the maximum limit for watercraft, trailers, theft of
jewelry, portable
electronic devices for homeowners policy? -
ANSWER -$1500
What is the limit of theft of firearms and related materials for
homeowners? -
ANSWER -
$2500
What is the limit of theft of silverware and business property
on-premises? -
ANSWER -
$2500
What is not covered under a homeowners policy? - ANSWER -
Animals, birds,
fish
, motor
vehicles
aircraft
property of roofers
Property in an apartment regularly rented
Business data
Credit cards
Which homeowners policies are named peril policies? -
ANSWER -HO-2
HO-
4
HO-
6
HO-
8
Which homeowners policies are all-risk policies? -
ANSWER -HO-3
HO-
5
What is the pair and set clause? - ANSWER -The insurer may
elect to either
repair or replace any part to restore tail or set to its value before
the loss, or pay
the difference between the actual cash value of the property
before and after
EXAM 2026-2027 ACTUAL COMPLETE REAL EXAM
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) ALREADY GRADED A+ | GUARANTEED
SUCCESS!! NEWEST EXAM | JUST RELEASED!!
When does the insurers duty to settle or defend end? -
ANSWER -When
payment for the settlement or judgement equals
the policy limit
What supplementary payments are included in the PAP? -
ANSWER -Bail
bonds-up to
$250
Appeal bonds and
interest
Loss of earnings-up to $200
per day
Is theft covered under homeowners policy? - ANSWER -Yes,
named peril
Does the residence need to be used exclusively as a residence
for a homeowners policy? - ANSWER -Yes, although certain
incidental other use is alright, like a home office
,How many family dwellings can be covered by a
homeowners policy? -
ANSWER
-4
Business in regards to a homeowners policy - ANSWER -More
than $2000 of
gross income per
year
Do Homeowners property coverages stack? - ANSWER -Yes,
usually stated as
a fixed percentage of
Coverage A
What are the stated percentages of Coverage A for the other
coverages of a
homeowners policy? - ANSWER -Coverage B-other
structures (10%)
Coverage C-personal
property (50%)
Coverage D-loss of use
(30%)
Homeowners Coverage C-how much is covered for off-
premises property? -
ANSWER -10% of the coverage
C limit
,What is the maximum limit of money, gold, coins, silver on a
homeowners polic -
ANSWER -
$200
What is the maximum limits for business property off-
premises for a
homeowners policy? - ANSWER
-$1500
What is the maximum limit for watercraft, trailers, theft of
jewelry, portable
electronic devices for homeowners policy? -
ANSWER -$1500
What is the limit of theft of firearms and related materials for
homeowners? -
ANSWER -
$2500
What is the limit of theft of silverware and business property
on-premises? -
ANSWER -
$2500
What is not covered under a homeowners policy? - ANSWER -
Animals, birds,
fish
, motor
vehicles
aircraft
property of roofers
Property in an apartment regularly rented
Business data
Credit cards
Which homeowners policies are named peril policies? -
ANSWER -HO-2
HO-
4
HO-
6
HO-
8
Which homeowners policies are all-risk policies? -
ANSWER -HO-3
HO-
5
What is the pair and set clause? - ANSWER -The insurer may
elect to either
repair or replace any part to restore tail or set to its value before
the loss, or pay
the difference between the actual cash value of the property
before and after
