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rmin 2005 exam 4 Questions and Correct
Answers
coverage e- personal liability Ans: coverage the covers bodily
injury for which an insured is legally liable and property damage
for which an insured is legally liabble
blanket limit Ans: one limit per occurence for property damage
and bodily injury liability
coverage f- medical payments Ans: coverage that pays for medical
expenses that occur on your property that isnt your fault
coverage f- medical payments Ans: coverage that pays for bodily
injury expneses to person on the insured location with permission,
activities of the insured off location, and activities of the insured
resident employee or insured animal
exception motocraft Ans: exception where there is damaged done
from use of golfcart when they will be covered
expected injury Ans: exception that reduces moral/morale hazard
yes Ans: is an insureds spouse covered
no Ans: is a person living in home 25 covered
yes Ans: is a person who is a resident relative covered
no Ans: is a person who is your uncle living next door covered
yes Ans: is other resident under 21 and in the care of a person
insured covered
yes Ans: is a student under 24 and your relative who used to live
in the house covered
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ho1 Ans: includes coverage a, b, c, d e and f and covers the first
eight named perils
ho2 Ans: includes coverage a b c d e and f and covers the first
eight and second eight perils
ho3 Ans: includes coverage a b c d e f which a b and d being open
perils and coverage c covers the first eight and second eight perils
ho3 Ans: what is the most common form of ho3
ho4 Ans: coverages c d e and f and covers the first and second
eight perils and is considered the renters insurance
ho5 Ans: coverages a b c d e and f and all coverages are open
perils
ho6 Ans: includes coverages c d e and f and covers first and
second 8 perils while also covering built in, applicances, cabinets,
and loss assessments and is considered for condos
ho8 Ans: coverages a b c d e and f with coverage a and b are paid
on repair cost and for older homes
repair cost Ans: instead of paying to replace structure they pay
you to repair the coverage because they are specifically tailored to
older homes
coverage a dwelling Ans: -protects the dwelling and any
attachments
-does not cover any damage to the land
coverage b-other structures Ans: -protects other, unattached,
dwellings on the property.
-covers landscaping as well as buildings, but not the land.
-does not cover other structures used for business purposes.
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coverage c- unscheduled personal property Ans: contents,
movable property
limit is usually 50 percent of coverage a and covers property
anywhere in the world
coverage d-loss of use Ans: 30 percent of coverage a and pays
additional living expense if the home is no t fit to live in
first eight perils Ans: fire or lightening, windstorm or hail,
explosion, riot or civil commotion, aircraft, vehicles, smoke,
vandalism or malicious mischief
second eight perils Ans: theft, falling objects, weight of ice, snow
or sleet, accidental discharge or overflow of water or steam,
sudden and accidental tearing apart, burning or bulging, freezing
of plumbing air condiontioning or sprinkler system or household
applicance, suddent and accidental damage from artificially
generated currents, volcanic eruption
section 1 exclusions Ans: ordinance or law, earth movement,
water damage, power failure, neglect, war, nuclear hazard,
intentioanl loss, governmental actions,
part a- liability Ans: pays for bodily injury or property damage of
others an dpays supplementary payments
split limits Ans: 1st number is for bodily injury per person, 2nd is
bodily injury per accident and 3rd is property damage per accident
new hampshire Ans: what is the only state without insurance
requirment
part a liability Ans: insureds are named insured and family
member, any person using the name insured covered auto, person
or organization legally responsible for the acts of a covered person
while using the covered auto, person or organization legally
responsible for the acts of the named insured while using any auto
© 2025 All rights reserved
rmin 2005 exam 4 Questions and Correct
Answers
coverage e- personal liability Ans: coverage the covers bodily
injury for which an insured is legally liable and property damage
for which an insured is legally liabble
blanket limit Ans: one limit per occurence for property damage
and bodily injury liability
coverage f- medical payments Ans: coverage that pays for medical
expenses that occur on your property that isnt your fault
coverage f- medical payments Ans: coverage that pays for bodily
injury expneses to person on the insured location with permission,
activities of the insured off location, and activities of the insured
resident employee or insured animal
exception motocraft Ans: exception where there is damaged done
from use of golfcart when they will be covered
expected injury Ans: exception that reduces moral/morale hazard
yes Ans: is an insureds spouse covered
no Ans: is a person living in home 25 covered
yes Ans: is a person who is a resident relative covered
no Ans: is a person who is your uncle living next door covered
yes Ans: is other resident under 21 and in the care of a person
insured covered
yes Ans: is a student under 24 and your relative who used to live
in the house covered
© 2025 All rights reserved
, 2 | Page
ho1 Ans: includes coverage a, b, c, d e and f and covers the first
eight named perils
ho2 Ans: includes coverage a b c d e and f and covers the first
eight and second eight perils
ho3 Ans: includes coverage a b c d e f which a b and d being open
perils and coverage c covers the first eight and second eight perils
ho3 Ans: what is the most common form of ho3
ho4 Ans: coverages c d e and f and covers the first and second
eight perils and is considered the renters insurance
ho5 Ans: coverages a b c d e and f and all coverages are open
perils
ho6 Ans: includes coverages c d e and f and covers first and
second 8 perils while also covering built in, applicances, cabinets,
and loss assessments and is considered for condos
ho8 Ans: coverages a b c d e and f with coverage a and b are paid
on repair cost and for older homes
repair cost Ans: instead of paying to replace structure they pay
you to repair the coverage because they are specifically tailored to
older homes
coverage a dwelling Ans: -protects the dwelling and any
attachments
-does not cover any damage to the land
coverage b-other structures Ans: -protects other, unattached,
dwellings on the property.
-covers landscaping as well as buildings, but not the land.
-does not cover other structures used for business purposes.
© 2025 All rights reserved
, 3 | Page
coverage c- unscheduled personal property Ans: contents,
movable property
limit is usually 50 percent of coverage a and covers property
anywhere in the world
coverage d-loss of use Ans: 30 percent of coverage a and pays
additional living expense if the home is no t fit to live in
first eight perils Ans: fire or lightening, windstorm or hail,
explosion, riot or civil commotion, aircraft, vehicles, smoke,
vandalism or malicious mischief
second eight perils Ans: theft, falling objects, weight of ice, snow
or sleet, accidental discharge or overflow of water or steam,
sudden and accidental tearing apart, burning or bulging, freezing
of plumbing air condiontioning or sprinkler system or household
applicance, suddent and accidental damage from artificially
generated currents, volcanic eruption
section 1 exclusions Ans: ordinance or law, earth movement,
water damage, power failure, neglect, war, nuclear hazard,
intentioanl loss, governmental actions,
part a- liability Ans: pays for bodily injury or property damage of
others an dpays supplementary payments
split limits Ans: 1st number is for bodily injury per person, 2nd is
bodily injury per accident and 3rd is property damage per accident
new hampshire Ans: what is the only state without insurance
requirment
part a liability Ans: insureds are named insured and family
member, any person using the name insured covered auto, person
or organization legally responsible for the acts of a covered person
while using the covered auto, person or organization legally
responsible for the acts of the named insured while using any auto
© 2025 All rights reserved
