PROPERTY AND CASUALTY
CERTIFICATION EVALUATION 2026
PRACTICE QUESTIONS AND ANSWERS
FULL SOLUTION VIEW
●● While the general rule for Homeowners is that the homeowner must
own and live in (occupy) the dwelling, the exception to the rule is the
___, which is for renters/tenants..
Answer: HO-4
●● The ____ is for condominium owners..
Answer: HO-6
●● The HO-4 has no Property coverage on the building because the
renter has no ____ in the building..
Answer: Insurable interest
●● Of the seven Homeowners forms, five are designed to cover both the
building and the ____..
Answer: Contents/Personal Property.
●● The remaining two forms, the HO-4 (Tenants) and the HO-6
(Condominium Unit Owners) provide little or no ____ coverage..
, Answer: Building or Dwelling
●● To qualify for a Homeowners policy the dwelling must be used
principally as a residence, although certain ___ businesses are allowed,
such as a small dance studio, professional office, private school or day
care center..
Answer: Low risk
●● The Homeowners policy owner is referred to as the ____..
Answer: Named Insured
●● The policy owner's spouse automatically has the rights of a Named
Insured if he/she lives at the ____..
Answer: Same address
●● The dwelling that you live in, and any other structures as well as the
land that goes with it, is referred to as your _____..
Answer: Residence Premises
●● A much broader definition of covered locations where you have
premises type liability coverage is called an____, which would include
locations such as a newly acquired premises, cemetery plots and a
premises that you occasionally rent for non-business purposes..
Answer: Insured Location
CERTIFICATION EVALUATION 2026
PRACTICE QUESTIONS AND ANSWERS
FULL SOLUTION VIEW
●● While the general rule for Homeowners is that the homeowner must
own and live in (occupy) the dwelling, the exception to the rule is the
___, which is for renters/tenants..
Answer: HO-4
●● The ____ is for condominium owners..
Answer: HO-6
●● The HO-4 has no Property coverage on the building because the
renter has no ____ in the building..
Answer: Insurable interest
●● Of the seven Homeowners forms, five are designed to cover both the
building and the ____..
Answer: Contents/Personal Property.
●● The remaining two forms, the HO-4 (Tenants) and the HO-6
(Condominium Unit Owners) provide little or no ____ coverage..
, Answer: Building or Dwelling
●● To qualify for a Homeowners policy the dwelling must be used
principally as a residence, although certain ___ businesses are allowed,
such as a small dance studio, professional office, private school or day
care center..
Answer: Low risk
●● The Homeowners policy owner is referred to as the ____..
Answer: Named Insured
●● The policy owner's spouse automatically has the rights of a Named
Insured if he/she lives at the ____..
Answer: Same address
●● The dwelling that you live in, and any other structures as well as the
land that goes with it, is referred to as your _____..
Answer: Residence Premises
●● A much broader definition of covered locations where you have
premises type liability coverage is called an____, which would include
locations such as a newly acquired premises, cemetery plots and a
premises that you occasionally rent for non-business purposes..
Answer: Insured Location
