CIC - Personal Lines
questions with 100% correct
answers with
Rationales(GUARANTEED
SUCCESSS)
ISO Forms
HOMEOWNERS 2
HOMEOWNERS 3
HOMEOWNERS 4
HOMEOWNERS 5
HOMEOWNERS 6
HOMEOWNERS 8
HOMEOWNERS 14 - answer BROAD FORM (HO 00 02)
SPECIAL FORM (HO 00 03)
CONTENTS BROAD FORM (HO 00 04) Renters
COMPREHENSIVE FORM (HO 00 05)
UNIT-OWNERS FORM (HO 00 06)
MODIFIED COVERAGE FORM (HO 00 08)
CONTENTS COMPREHENSIVE FORM (HO 00 14)
,Additional Insured - Residence Premises - answer
endorsement used to protect the non-resident co-owner
for his/her interest in the dwelling and other structures as
well as premises liability coverage
(the non-resident owner may also be legally responsible
should someone be injured on premises)
provides Dwelling (A) and Other Structures (B), Liability
(E), Medical Payments (F)
What does not qualify for an HO-3? - answer 1. Non-
owner occupied
2. Dwellings with more than four-family capacity
Additional Interests - Residence Premises - answer used
to protect a persons insurable interest in the residence
premises
10% of coverage A - answer Other Structures
50% of coverage A - answer Personal Property
30% of coverage A - answer Loss of Use
,Who is a You or Your or "insured" on the \homeowners
policy - answer Named Insured, Spouse (if a resident of
the household), resident relatives, anyone who is a
resident under the age of 21 and in the care of you or a
resident relative, full time student if a resident before
attending school and either a relative under 24 or under
21 in your care or care of resident relative
Who gets section II insured status? - answer people
legally responsible for animals or watercraft covered by
this policy, employees using a covered "motor vehicle",
and others using a covered "motor vehicle" on an
"insured location"
"Motor Vehicle" - answer self-propelled land or
amphibious vehicle
trailer while on, towed by, or hitched for towing by above
(attached)
"residence employee" - answer is an employee of an
insured, or an employee leased under agreement to the
insured, and whose duties are related to the maintenance
or use of the residence premises
, as long as duties are not related to an insured's
"business"
What is covered under coverage A - Dwelling - answer -
dwelling and attached structures on the "residence
premises"
-materials and supplies USED to construct, alter or repair
the dwelling or other structures and located on or next to
the "residence premises"
-excludes land
What is covered under coverage B - Other Structures -
answer -on a "residence premises" set apart from the
dwelling by clear space or connected only by a fence,
utility line, or similar connection
-includes hardscape
-excludes land
examples: detached garage, shed, flagpole, deck, pong,
dog kennel, dock, driveway, fence, pool, hot tub, satellite
dish, swing set, rockery, gazebo
What makes a structure excluded from Coverage B? -
answer -structures rented or held for rental to anyone
questions with 100% correct
answers with
Rationales(GUARANTEED
SUCCESSS)
ISO Forms
HOMEOWNERS 2
HOMEOWNERS 3
HOMEOWNERS 4
HOMEOWNERS 5
HOMEOWNERS 6
HOMEOWNERS 8
HOMEOWNERS 14 - answer BROAD FORM (HO 00 02)
SPECIAL FORM (HO 00 03)
CONTENTS BROAD FORM (HO 00 04) Renters
COMPREHENSIVE FORM (HO 00 05)
UNIT-OWNERS FORM (HO 00 06)
MODIFIED COVERAGE FORM (HO 00 08)
CONTENTS COMPREHENSIVE FORM (HO 00 14)
,Additional Insured - Residence Premises - answer
endorsement used to protect the non-resident co-owner
for his/her interest in the dwelling and other structures as
well as premises liability coverage
(the non-resident owner may also be legally responsible
should someone be injured on premises)
provides Dwelling (A) and Other Structures (B), Liability
(E), Medical Payments (F)
What does not qualify for an HO-3? - answer 1. Non-
owner occupied
2. Dwellings with more than four-family capacity
Additional Interests - Residence Premises - answer used
to protect a persons insurable interest in the residence
premises
10% of coverage A - answer Other Structures
50% of coverage A - answer Personal Property
30% of coverage A - answer Loss of Use
,Who is a You or Your or "insured" on the \homeowners
policy - answer Named Insured, Spouse (if a resident of
the household), resident relatives, anyone who is a
resident under the age of 21 and in the care of you or a
resident relative, full time student if a resident before
attending school and either a relative under 24 or under
21 in your care or care of resident relative
Who gets section II insured status? - answer people
legally responsible for animals or watercraft covered by
this policy, employees using a covered "motor vehicle",
and others using a covered "motor vehicle" on an
"insured location"
"Motor Vehicle" - answer self-propelled land or
amphibious vehicle
trailer while on, towed by, or hitched for towing by above
(attached)
"residence employee" - answer is an employee of an
insured, or an employee leased under agreement to the
insured, and whose duties are related to the maintenance
or use of the residence premises
, as long as duties are not related to an insured's
"business"
What is covered under coverage A - Dwelling - answer -
dwelling and attached structures on the "residence
premises"
-materials and supplies USED to construct, alter or repair
the dwelling or other structures and located on or next to
the "residence premises"
-excludes land
What is covered under coverage B - Other Structures -
answer -on a "residence premises" set apart from the
dwelling by clear space or connected only by a fence,
utility line, or similar connection
-includes hardscape
-excludes land
examples: detached garage, shed, flagpole, deck, pong,
dog kennel, dock, driveway, fence, pool, hot tub, satellite
dish, swing set, rockery, gazebo
What makes a structure excluded from Coverage B? -
answer -structures rented or held for rental to anyone
