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MARYLAND PROPERTY AND CASUALTY TEST EXAM
ACTUAL EXAM WITH QUESTIONS AND 100%
CORRECT ANSWERS|| LATEST AND COMPLETE
VERSION 2025-2026 WITH EXPERT VERIFIED
SOLUTIONS|| ASSURED PASS
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
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
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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
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
Which of the following endorsements extends coverage to home daycare centers?
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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
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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
MARYLAND PROPERTY AND CASUALTY TEST EXAM
ACTUAL EXAM WITH QUESTIONS AND 100%
CORRECT ANSWERS|| LATEST AND COMPLETE
VERSION 2025-2026 WITH EXPERT VERIFIED
SOLUTIONS|| ASSURED PASS
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
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
,2|Page
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
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
Which of the following endorsements extends coverage to home daycare centers?
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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
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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
