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AINS 102 TEST 2026|COMPREHENSIVE
Q&A FOR CERTIFICATION SUCCESS
2026
David and Colleen insure their house under a HO-3 policy. One evening, while
they were entertaining some friends at their home, the railing of the deck
collapsed and one of their guests fell to the ground below. The individual suffered
a serious leg injury which required surgery and two days in the hospital. Which
one of the following coverages under David and Colleen's HO-3 policy would
cover the expenses for the injured individual?
Select one:
A. Coverage A—Dwelling
B. Coverage B—Other Structures
C. Coverage D—Loss of Use
D. Coverage E—Personal Liability - correct-answer - D. Coverage E—Personal
Liability
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The HO-3 policy provides open perils coverage rather than named perils coverage
for which one of the following?
Select one:
A. Coverage A—Dwelling only
B. Coverage A—Dwelling and Coverage B—Other Structures
C. Coverage C—Personal Property
D. Coverage D—Loss of Use - correct-answer - B. Coverage A—Dwelling and
Coverage B—Other Structures
Which one of the following statements is correct regarding coverage under
Section I, Coverage D—Loss of Use of an HO-3 policy.
Select one:
A. Coverage is provided only when civil authority prohibits use of the premises.
B. Additional Living Expenses and Fair Rental Value have separate coverage limits.
C. Coverage is limited to 30 days or the time required to repair or replace the
residence premises, whichever is shorter.
D. A claim may be filed when the residence premises are unlivable because of a
covered cause of loss and there has been an increase in living expenses. -
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correct-answer - D. A claim may be filed when the residence premises are
unlivable because of a covered cause of loss and there has been an increase in
living expense
Under Section II—Liability Coverage of a homeowners policy all of the following
are the insured's duties after an occurrence, EXCEPT:
Select one:
A. Submit a sworn statement of loss for damage to property of others if making a
claim under that coverage
B. Forward legal documents to the insurer
C. Provide claims assistance to the insurer
D. Make voluntary payments to the claimant - correct-answer - D. Make
voluntary payments to the claimant
Under Coverage E—Personal Liability of the HO-3 policy, the insurer's obligation
to defend ends
Select one:
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A. When the costs of defense limits are exhausted.
B. When the liability limit for the occurrence is exhausted by payment of a
settlement or judgment.
C. When the cost of defense exceeds the personal liability limits.
D. When policy limits are exhausted by the claim expenses. - correct-answer - B.
When the liability limit for the occurrence is exhausted by payment of a
settlement or judgment.
The medical payments coverage in a homeowners policy covers certain medical
expenses incurred by
Select one:
A. Insureds.
B. Nonresidents of the insured's household.
C. A person uninvited to the insured's home.
D. Regular household residents other than residence employees. - correct-
answer - B. Nonresidents of the insured's household.
AINS 102 TEST 2026|COMPREHENSIVE
Q&A FOR CERTIFICATION SUCCESS
2026
David and Colleen insure their house under a HO-3 policy. One evening, while
they were entertaining some friends at their home, the railing of the deck
collapsed and one of their guests fell to the ground below. The individual suffered
a serious leg injury which required surgery and two days in the hospital. Which
one of the following coverages under David and Colleen's HO-3 policy would
cover the expenses for the injured individual?
Select one:
A. Coverage A—Dwelling
B. Coverage B—Other Structures
C. Coverage D—Loss of Use
D. Coverage E—Personal Liability - correct-answer - D. Coverage E—Personal
Liability
,2|Page
The HO-3 policy provides open perils coverage rather than named perils coverage
for which one of the following?
Select one:
A. Coverage A—Dwelling only
B. Coverage A—Dwelling and Coverage B—Other Structures
C. Coverage C—Personal Property
D. Coverage D—Loss of Use - correct-answer - B. Coverage A—Dwelling and
Coverage B—Other Structures
Which one of the following statements is correct regarding coverage under
Section I, Coverage D—Loss of Use of an HO-3 policy.
Select one:
A. Coverage is provided only when civil authority prohibits use of the premises.
B. Additional Living Expenses and Fair Rental Value have separate coverage limits.
C. Coverage is limited to 30 days or the time required to repair or replace the
residence premises, whichever is shorter.
D. A claim may be filed when the residence premises are unlivable because of a
covered cause of loss and there has been an increase in living expenses. -
,3|Page
correct-answer - D. A claim may be filed when the residence premises are
unlivable because of a covered cause of loss and there has been an increase in
living expense
Under Section II—Liability Coverage of a homeowners policy all of the following
are the insured's duties after an occurrence, EXCEPT:
Select one:
A. Submit a sworn statement of loss for damage to property of others if making a
claim under that coverage
B. Forward legal documents to the insurer
C. Provide claims assistance to the insurer
D. Make voluntary payments to the claimant - correct-answer - D. Make
voluntary payments to the claimant
Under Coverage E—Personal Liability of the HO-3 policy, the insurer's obligation
to defend ends
Select one:
, 4|Page
A. When the costs of defense limits are exhausted.
B. When the liability limit for the occurrence is exhausted by payment of a
settlement or judgment.
C. When the cost of defense exceeds the personal liability limits.
D. When policy limits are exhausted by the claim expenses. - correct-answer - B.
When the liability limit for the occurrence is exhausted by payment of a
settlement or judgment.
The medical payments coverage in a homeowners policy covers certain medical
expenses incurred by
Select one:
A. Insureds.
B. Nonresidents of the insured's household.
C. A person uninvited to the insured's home.
D. Regular household residents other than residence employees. - correct-
answer - B. Nonresidents of the insured's household.
