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Answers CIC Personal Lines – Residential Exam 2026 Questions and Answers

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Answers CIC Personal Lines – Residential Exam 2026 Questions and Answers

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Answers CIC Personal Lines –
Residential Exam 2026 Questions and
Answers

Homeowners "Insured" - Correct answer-- 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? - Correct answer-Other Structures

- Things on residence premises not attached to building, or connected only by

fence, wire, wall

- Not for business use


©COPYRIGHT 2025, ALL RIGHTS RESERVED 1

, - Not rented,unless only as a garage

Perils Not Insured by HO-3 for A and B - Correct answer-- 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


©COPYRIGHT 2025, ALL RIGHTS RESERVED 2

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