CIC Personal Lines - Residential EXAM MOST TESTED
QUESTIONS AND VERIFIED SOLUTIONS/GET IT 100%
ACCURATE!! 2026!!
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exams include:Essay/Problem-Based Questions: In law exams, students are often given hypothetical scenarios (problem questions) and are asked to analyze the legal issues
involved. These require students to apply specific legal principles and statutes to the facts presented in the scenario.Multiple
Students also studied
C
Terms in this set (32)
Homeowners "Insured" - 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? Other Structures
- Things on residence premises not attached to building, or connected only by
fence, wire, wall
- Not for business use
- Not rented,unless only as a garage
Perils Not Insured by HO-3 for A and B - 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
, Homeowners "Business" Exceptions 1. Make < $2000/year
2. Volunteer Activities
3. Home day care, but no $ earned
4. Home day care, with $ earned, for relatives
Homeowners Coverage D Loss of Use
1. Additional Living Expense
- necessary increase to maintain normal standard of living
2. Fair Rental Value
3. Civil Authority - if they prohibit use of premises due to damage to neighboring
premises (up to 2 weeks)
Amount: 30% of A (if the reason is a covered loss)
HO-3 vs HO-5 HO-3: Dwelling/Structures: Open Perils
Personal Property: Named Perils
HO-5: Dwelling/Structures: Open Perils
Personal Property: Open Perils
(often used w/ wealthy houses)
Homeowner's Additional Coverages 1.Debris Removal
-up to 5% of C
- also $500/tree, $1000/total
2. Reasonable Repairs
-ex. buying tarp to prevent further damage from hole in roof
3. Trees/Shrubs/Plants/Lawn
-5% of A, max $500/plant
- fire, theft, vandalism, aircraft
4. Property removed to protect from damage
5. Credit cards - $500 for loss resulting from theft
6. Loss Assessment
- H.O.A. splitting cost to each household, <$1000
7. Collapse: abrupt
8. Glass
9. Landlord's furnishings
10. Ordiance/Law: 10% of A
11. Grave markers, $5000
Property not covered by Homeowners Coverage C 1. Specifically scheduled items
2. Motor Vehicles, except:
-Solely to service Residence
-For handicapped
3. Business Data
4. Credit Cards
5. Water/Steam
What % of Replacement Cost to the Building must you 80% exams include:Essay/Problem-Based Questions: In law exams, students are often given
hypothetical scenarios (problem questions) and are asked to analyze the legal issues involved.
carry? These require students to apply specific legal principles and statutes to the facts presented in the
scenario.Multiple
QUESTIONS AND VERIFIED SOLUTIONS/GET IT 100%
ACCURATE!! 2026!!
Save
exams include:Essay/Problem-Based Questions: In law exams, students are often given hypothetical scenarios (problem questions) and are asked to analyze the legal issues
involved. These require students to apply specific legal principles and statutes to the facts presented in the scenario.Multiple
Students also studied
C
Terms in this set (32)
Homeowners "Insured" - 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? Other Structures
- Things on residence premises not attached to building, or connected only by
fence, wire, wall
- Not for business use
- Not rented,unless only as a garage
Perils Not Insured by HO-3 for A and B - 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
, Homeowners "Business" Exceptions 1. Make < $2000/year
2. Volunteer Activities
3. Home day care, but no $ earned
4. Home day care, with $ earned, for relatives
Homeowners Coverage D Loss of Use
1. Additional Living Expense
- necessary increase to maintain normal standard of living
2. Fair Rental Value
3. Civil Authority - if they prohibit use of premises due to damage to neighboring
premises (up to 2 weeks)
Amount: 30% of A (if the reason is a covered loss)
HO-3 vs HO-5 HO-3: Dwelling/Structures: Open Perils
Personal Property: Named Perils
HO-5: Dwelling/Structures: Open Perils
Personal Property: Open Perils
(often used w/ wealthy houses)
Homeowner's Additional Coverages 1.Debris Removal
-up to 5% of C
- also $500/tree, $1000/total
2. Reasonable Repairs
-ex. buying tarp to prevent further damage from hole in roof
3. Trees/Shrubs/Plants/Lawn
-5% of A, max $500/plant
- fire, theft, vandalism, aircraft
4. Property removed to protect from damage
5. Credit cards - $500 for loss resulting from theft
6. Loss Assessment
- H.O.A. splitting cost to each household, <$1000
7. Collapse: abrupt
8. Glass
9. Landlord's furnishings
10. Ordiance/Law: 10% of A
11. Grave markers, $5000
Property not covered by Homeowners Coverage C 1. Specifically scheduled items
2. Motor Vehicles, except:
-Solely to service Residence
-For handicapped
3. Business Data
4. Credit Cards
5. Water/Steam
What % of Replacement Cost to the Building must you 80% exams include:Essay/Problem-Based Questions: In law exams, students are often given
hypothetical scenarios (problem questions) and are asked to analyze the legal issues involved.
carry? These require students to apply specific legal principles and statutes to the facts presented in the
scenario.Multiple
