Dwelling Policy Practice Test Questions
And Answers A+ Graded
An Insured has a special form dwelling policy written for $100,000 on a dwelling. The
dwelling's replacement cost is $115,000. Fire causes $ 75,000 in damage to the
dwelling, 15,000 damage to a separate garage, and kills 10 trees valued at $600 each.
How much will the policy pay for the trees? CORRECT ANSWERS $ 5,000
In a dwelling policy, which of the following is true regarding personal liability coverage?
CORRECT ANSWERS It must be added as a supplement or written as a separate
policy
Which of the following additional perils is covered under both the basic form and broad
form dwelling policies? CORRECT ANSWERS Internal explosion
In a dwelling policy, which of the following other structures would be covered?
CORRECT ANSWERS Rented to a neighbor for use as a private garage
what is true of dwelling policy coverage? CORRECT ANSWERS Exclusions apply to all
three policy forms
Dwelling Policy Coverage C- Personal property will cover all of the following except
CORRECT ANSWERS Animals and birds
All of the following would be eligible for coverage under the dwelling policy except
CORRECT ANSWERS A house that has 5 residential units
An insured owns a large dog. The first day he has to leave the dog home alone to go to
work, the insured comes back to find his $ 400.00 couch torn apart, his $100.00 coffee
table chewed up, his $ 50.00 window curtain shredded, and a $200.00 window pane
shattered where his dog jumped through. The insured has personal property coverage
under a special form dwelling policy. How much of this loss will the policy cover?
CORRECT ANSWERS $ 0.00
what is not a peril covered under the broad form dwelling policy CORRECT ANSWERS
Theft
Under the dwelling policy form, what is the maximum time limit during which multiple
volcanic activities would be considered part of one occurrence? CORRECT ANSWERS
72 hours
Under which of the following conditions can broad theft coverage be added to a dwelling
policy? CORRECT ANSWERS If the insured is owner-occupant of the dwelling
And Answers A+ Graded
An Insured has a special form dwelling policy written for $100,000 on a dwelling. The
dwelling's replacement cost is $115,000. Fire causes $ 75,000 in damage to the
dwelling, 15,000 damage to a separate garage, and kills 10 trees valued at $600 each.
How much will the policy pay for the trees? CORRECT ANSWERS $ 5,000
In a dwelling policy, which of the following is true regarding personal liability coverage?
CORRECT ANSWERS It must be added as a supplement or written as a separate
policy
Which of the following additional perils is covered under both the basic form and broad
form dwelling policies? CORRECT ANSWERS Internal explosion
In a dwelling policy, which of the following other structures would be covered?
CORRECT ANSWERS Rented to a neighbor for use as a private garage
what is true of dwelling policy coverage? CORRECT ANSWERS Exclusions apply to all
three policy forms
Dwelling Policy Coverage C- Personal property will cover all of the following except
CORRECT ANSWERS Animals and birds
All of the following would be eligible for coverage under the dwelling policy except
CORRECT ANSWERS A house that has 5 residential units
An insured owns a large dog. The first day he has to leave the dog home alone to go to
work, the insured comes back to find his $ 400.00 couch torn apart, his $100.00 coffee
table chewed up, his $ 50.00 window curtain shredded, and a $200.00 window pane
shattered where his dog jumped through. The insured has personal property coverage
under a special form dwelling policy. How much of this loss will the policy cover?
CORRECT ANSWERS $ 0.00
what is not a peril covered under the broad form dwelling policy CORRECT ANSWERS
Theft
Under the dwelling policy form, what is the maximum time limit during which multiple
volcanic activities would be considered part of one occurrence? CORRECT ANSWERS
72 hours
Under which of the following conditions can broad theft coverage be added to a dwelling
policy? CORRECT ANSWERS If the insured is owner-occupant of the dwelling
