PENNSYLVANIA PROPERTY AND CASUALTY
FINAL PAPER 2026 COMPLETE QUESTIONS
AND ANSWERS
◉ HO-4. Answer: Tenants or Renters- Named Peril Occupied by
Tenant has coverage C personal property (principle coverage),
indirect coverage D loss of use
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+falling objects
+weight of ice, sleet, or snow
+accidental discharge or overflow of water or steam
+sudden & accidental damage from artificially-generated electrical
current
+damage to glass or safety glazing material
,+volcanic eruption
+freezing, subject to limitations
◉ HO-5. Answer: Special (Cadillac of them all)- Open Peril has all
coverages A,b,c,d is indirect
◉ HO-6. Answer: Condo-Named Peril has coverage A,C, D is indirect
Provides coverage for tenant living in a condo,
coverage for personal property of a condo owner
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+falling objects
+weight of ice, sleet, or snow
+accidental discharge or overflow of water or steam
, +sudden & accidental damage from artificially-generated electrical
current
+damage to glass or safety glazing material
+volcanic eruption
+freezing, subject to limitations
◉ HO-8. Answer: Historic or Older Home Named Peril has all
coverages A,B,C,D is indirect
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+damage to glass or safety glazing material
◉ Schedule Rating. Answer: developed by applying a schedule of
charges and credits to some base rate to determine the appropriate
rate for an individual exposure. (largest and most complex risks)
FINAL PAPER 2026 COMPLETE QUESTIONS
AND ANSWERS
◉ HO-4. Answer: Tenants or Renters- Named Peril Occupied by
Tenant has coverage C personal property (principle coverage),
indirect coverage D loss of use
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+falling objects
+weight of ice, sleet, or snow
+accidental discharge or overflow of water or steam
+sudden & accidental damage from artificially-generated electrical
current
+damage to glass or safety glazing material
,+volcanic eruption
+freezing, subject to limitations
◉ HO-5. Answer: Special (Cadillac of them all)- Open Peril has all
coverages A,b,c,d is indirect
◉ HO-6. Answer: Condo-Named Peril has coverage A,C, D is indirect
Provides coverage for tenant living in a condo,
coverage for personal property of a condo owner
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+falling objects
+weight of ice, sleet, or snow
+accidental discharge or overflow of water or steam
, +sudden & accidental damage from artificially-generated electrical
current
+damage to glass or safety glazing material
+volcanic eruption
+freezing, subject to limitations
◉ HO-8. Answer: Historic or Older Home Named Peril has all
coverages A,B,C,D is indirect
+fire or lightning
+windstorm or hail
+explosion
+riot or civil commotion
+aircraft
+vehicles
+smoke
+vandalism
+theft
+damage to glass or safety glazing material
◉ Schedule Rating. Answer: developed by applying a schedule of
charges and credits to some base rate to determine the appropriate
rate for an individual exposure. (largest and most complex risks)
