1|Page
Maryland Property and Casualty Insurance Exam
with 300 Most recent Practice Questions and
Answers/ Maryland P & C License Test 2025
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
D) Coverage for personal property loss -
...✔✔ANSWER✔✔...Both personal liability and medical
payments to others coverage
,2|Page
The insured under an HO3 has to keep more than 80% of
the replacement cost of her insured
dwelling in force at the time of a covered loss. The ACV of
the carpeting is $5000 It can be
replaced for $3500 how much will the policy pay for the
damaged carpeting? - ...✔✔ANSWER✔✔...$3500
In a property Contract all the following may provide a
form of coverage A except
A) H02
B) H05
C) HO4
D) H06 - ...✔✔ANSWER✔✔...HO4
Which of the following would be considered scheduled
property under the endorsement HO 04 61 -
...✔✔ANSWER✔✔...Fine art
H is reading through his HO4 policy and keeps seeing the
language you and your. under HO contract definition you
and your refers to
,3|Page
A) The insured
B) The insured and any legal spouse
C) The insured and the spouse of the insured who lives at
any address
D) The insured and the spouse of the insured who lives at
the same address of the insured - ...✔✔ANSWER✔✔...The
insured and the spouse of the insured who lives at the
same address of the insured
.Which of the following losses would HO4 42
endorsement cover?
A)bacteria coverage to an insureds home
B) An insured home office
C) Fraud identity
D) None of the answers listed - ...✔✔ANSWER✔✔...B. An
insured home office
Bodily injury is defined as - ...✔✔ANSWER✔✔...bodily
harm, sickness, and disease
, 4|Page
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
Maryland Property and Casualty Insurance Exam
with 300 Most recent Practice Questions and
Answers/ Maryland P & C License Test 2025
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
D) Coverage for personal property loss -
...✔✔ANSWER✔✔...Both personal liability and medical
payments to others coverage
,2|Page
The insured under an HO3 has to keep more than 80% of
the replacement cost of her insured
dwelling in force at the time of a covered loss. The ACV of
the carpeting is $5000 It can be
replaced for $3500 how much will the policy pay for the
damaged carpeting? - ...✔✔ANSWER✔✔...$3500
In a property Contract all the following may provide a
form of coverage A except
A) H02
B) H05
C) HO4
D) H06 - ...✔✔ANSWER✔✔...HO4
Which of the following would be considered scheduled
property under the endorsement HO 04 61 -
...✔✔ANSWER✔✔...Fine art
H is reading through his HO4 policy and keeps seeing the
language you and your. under HO contract definition you
and your refers to
,3|Page
A) The insured
B) The insured and any legal spouse
C) The insured and the spouse of the insured who lives at
any address
D) The insured and the spouse of the insured who lives at
the same address of the insured - ...✔✔ANSWER✔✔...The
insured and the spouse of the insured who lives at the
same address of the insured
.Which of the following losses would HO4 42
endorsement cover?
A)bacteria coverage to an insureds home
B) An insured home office
C) Fraud identity
D) None of the answers listed - ...✔✔ANSWER✔✔...B. An
insured home office
Bodily injury is defined as - ...✔✔ANSWER✔✔...bodily
harm, sickness, and disease
, 4|Page
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
