MARYLAND PROPERTY AND CASUALTY INSURANCE
EXAM WITH 300 MOST RECENT PRACTICE QUESTIONS
AND ANSWERS/ MARYLAND P & C LICENSE TEST
2025/2026
Which of the following endorsements extends coverage to home daycare centers?
A) HO 04 97
B) HO 04 90
C) HO 04 55
D) HO 04 27 - ANSWER-A. HO 04 97
H has just closed on his new home and wants to have his possessions covered on a
replacement cost basis. When H calls her agent the agent explains she must pay
extra for an endorsement for such coverage. Hs agent must add which of the
following endorsements?
A) HO 04 26
B) HO 04 54
C) HO 04 55
D) HO 04 90 - ANSWER-D. HO 04 90
Which of the following statements are not true regarding the limited fungi, wet or
dry rot or, bacteria coverage - ANSWER-HO 04 26 endorsement is used with
HO3 forms
Which of the following perils are covered by the HO3 and HO5 policies? -
ANSWER-An earth movement caused by an explosion
,Jay has rented a room in his home to a tenant And it's helped furnish the rented
room with the carpet refrigerator and so far costing him $4000 less than one month
later is furnishings were destroyed in a small fire. How much will J collect from
the HO2 policy for his loss?
A) $0
B) $1000
C) $2500
D) $4,000 - ANSWER-C. $2500
Which of the following homeowners forms will cover structures on an open peril
basis but will cover personal property on a name perils basis?
A) HO 2
B) HO 3
C) HO 5
D) HO 6 - ANSWER-B. HO 3
Which of the following following objects causing loss would be covered by the
homeowners broad form policy?
A) A plane part drops from the sky and crushes the insured outdoor patio furniture
B) Part of an old satellite flies through the earths atmosphere and lands on the
insured wooden fence damaging it
C) A meteor right hit the outside ham radio antenna of the insured destroying it
D) The propeller of a helicopter falls from the sky crashes through the roof of the
insured's home and destroys the dining room set - ANSWER-D. The propeller
,of a helicopter falls from the sky crashes through the roof of the insured's home
and destroys the dining room set
R has endorsement HO 04 55 identity theft expense on her Homeowners policy
and has had identity theft issue pertinent to her business. Because of the events R
has lawyer expenses of $27,000 according to her policy how much her insurer pay?
A) $0
B) $10,000
C) $14,750
D) $15,000 - ANSWER-A. $0
Section 1 of our homeowners policy provides :
A)dwelling and detached structures on the insured's premises
B)Personal property of the insured
C) Loss of use
D) All of the ANSWERs listed - ANSWER-D. All of the ANSWERs listed
Section 2 of a homeowners policy provides
A) personal liability coverage
B) Medical payments to others coverage
C) Both personal liability and medical payments to others coverage
D) Coverage for personal property loss - ANSWER-C. Both personal liability
and medical payments to others coverage
, Which of the following commercial building and business personal property form
perils is covered by the broad form but not by the basic form?
A) Weight of snow ice or sleet
B) Volcanic action
C) Sinkhole collapse
D) Sprinkler leakage - ANSWER-A. Weight of snow ice or sleet
The maximum amount paid by a commercial building and business personal
property form for pollution cleanup or removal is
A) $0
B) $1000
C) $2500
D) $10,000 - ANSWER-D. $10,000
Section 1 of our homeowners policy provides :
A)dwelling and detached structures on the insured's premises
B) Personal property of the insured
C) Loss of use
D) All of the ANSWERs listed - ANSWER-All of the ANSWERs listed
Section 2 of a homeowners policy provides
A) personal liability coverage
B) Medical payments to others coverage
C) Both personal liability and medical payments to others coverage
EXAM WITH 300 MOST RECENT PRACTICE QUESTIONS
AND ANSWERS/ MARYLAND P & C LICENSE TEST
2025/2026
Which of the following endorsements extends coverage to home daycare centers?
A) HO 04 97
B) HO 04 90
C) HO 04 55
D) HO 04 27 - ANSWER-A. HO 04 97
H has just closed on his new home and wants to have his possessions covered on a
replacement cost basis. When H calls her agent the agent explains she must pay
extra for an endorsement for such coverage. Hs agent must add which of the
following endorsements?
A) HO 04 26
B) HO 04 54
C) HO 04 55
D) HO 04 90 - ANSWER-D. HO 04 90
Which of the following statements are not true regarding the limited fungi, wet or
dry rot or, bacteria coverage - ANSWER-HO 04 26 endorsement is used with
HO3 forms
Which of the following perils are covered by the HO3 and HO5 policies? -
ANSWER-An earth movement caused by an explosion
,Jay has rented a room in his home to a tenant And it's helped furnish the rented
room with the carpet refrigerator and so far costing him $4000 less than one month
later is furnishings were destroyed in a small fire. How much will J collect from
the HO2 policy for his loss?
A) $0
B) $1000
C) $2500
D) $4,000 - ANSWER-C. $2500
Which of the following homeowners forms will cover structures on an open peril
basis but will cover personal property on a name perils basis?
A) HO 2
B) HO 3
C) HO 5
D) HO 6 - ANSWER-B. HO 3
Which of the following following objects causing loss would be covered by the
homeowners broad form policy?
A) A plane part drops from the sky and crushes the insured outdoor patio furniture
B) Part of an old satellite flies through the earths atmosphere and lands on the
insured wooden fence damaging it
C) A meteor right hit the outside ham radio antenna of the insured destroying it
D) The propeller of a helicopter falls from the sky crashes through the roof of the
insured's home and destroys the dining room set - ANSWER-D. The propeller
,of a helicopter falls from the sky crashes through the roof of the insured's home
and destroys the dining room set
R has endorsement HO 04 55 identity theft expense on her Homeowners policy
and has had identity theft issue pertinent to her business. Because of the events R
has lawyer expenses of $27,000 according to her policy how much her insurer pay?
A) $0
B) $10,000
C) $14,750
D) $15,000 - ANSWER-A. $0
Section 1 of our homeowners policy provides :
A)dwelling and detached structures on the insured's premises
B)Personal property of the insured
C) Loss of use
D) All of the ANSWERs listed - ANSWER-D. All of the ANSWERs listed
Section 2 of a homeowners policy provides
A) personal liability coverage
B) Medical payments to others coverage
C) Both personal liability and medical payments to others coverage
D) Coverage for personal property loss - ANSWER-C. Both personal liability
and medical payments to others coverage
, Which of the following commercial building and business personal property form
perils is covered by the broad form but not by the basic form?
A) Weight of snow ice or sleet
B) Volcanic action
C) Sinkhole collapse
D) Sprinkler leakage - ANSWER-A. Weight of snow ice or sleet
The maximum amount paid by a commercial building and business personal
property form for pollution cleanup or removal is
A) $0
B) $1000
C) $2500
D) $10,000 - ANSWER-D. $10,000
Section 1 of our homeowners policy provides :
A)dwelling and detached structures on the insured's premises
B) Personal property of the insured
C) Loss of use
D) All of the ANSWERs listed - ANSWER-All of the ANSWERs listed
Section 2 of a homeowners policy provides
A) personal liability coverage
B) Medical payments to others coverage
C) Both personal liability and medical payments to others coverage
