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Actual Complete Real Exam Questions And Correct
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Which ISO form is known as the "Condominium Form"?
A. Homeowners
5
B. Homeowners
6
C.
Homeowners 8
D. Homeowners 4 - ANSWER -B.
Homeowners 6
All HO policies issued in the state of New Hampshire
must include the
________
endorsement.
A. Personal Injury (HO 24 79)
B. Special Provisions New Hampshire — HO 01 28
C. Ordinance or Law (HO 04 77)
,D. Permitted Incidental Occupancies — Residence Premises
(HO 04 42) - ANSWER -B. Special Provisions New Hampshire
— HO 01 28
What does it mean when we say an insured dwelling in New
Hampshire is
unoccupied?
A. The insured is occupying less than 31% of the available
square footage.
B. Neither the insured nor his possessions are in the dwelling.
C. The insured is in the dwelling, but his possessions are not.
D. The insured is not in the dwelling, but his possessions are. -
ANSWER -D. The insured is not in the dwelling, but his
possessions are.
Of the following, who would qualify as an insured on a
homeowners policy
without being named on the
declarations page?
A. The named insured's 23-year-old daughter who is at an out-
of-state college
B. The named insured's nephew who lives next door
C. The named insured's 26-year-old son who is a full-time
graduate student D. The named insured's ex-husband who
lives 2 hours away - ANSWER -A. The named insured's 23-
year-old daughter who is at an out-of-state college
,In a homeowners policy, Coverage D - Loss of Use will NOT
cover:
A. meals out when a home is damaged and not habitable.
B. loss of rental income if a renter can't stay in the apartment
until damages are repaired.
C. hotel expenses when damage prevents the insured from
living in the home. D. loss of rental income after damage to a
rental unit has been fixed, but no new renter has been found.
- ANSWER -D. loss of rental income after damage to a rental
unit has been fixed, but no new renter has been found.
Michelle just purchased a homeowners policy for her new
single-family home. Although she would have liked the best
coverage money can buy, she could not afford the most
expensive policy. She compromised with a policy that provides
open-peril coverage for her house and detached garage, and
named-peril coverage for her personal property. Which
homeowners policy did Michelle purchase?
A. HO-
3
B. HO-
8
C. HO-
4
D. HO-5 - ANSWER -A.
HO-3
, Clark lost power to his home when a windstorm blew the roof
off of his house.
As a result, he lost several hundred dollars worth of meat that
he was keeping
in a freezer in his basement. Which homeowners coverage
might indemnify
Clark for the loss of his
meat?
A. Reasonable Repairs coverage
B. Consequential Loss coverage
C. Personal Property coverage
D. Property Removal coverage - ANSWER -C. Personal Property
coverage
In order to be considered "fully insured" at 80% or more,
Richard must carry at
least $240,000 in insurance coverage on his home. What
is the value of
Richard's
home?
A. $192,000
B. $240,000
C.
$300,000
D. $216,000 - ANSWER -C.
$300,000
Actual Complete Real Exam Questions And Correct
Answers (Verified Answers) Already Graded A+ |
Guaranteed Success!! | Newest Exam | Just
Released!!
Which ISO form is known as the "Condominium Form"?
A. Homeowners
5
B. Homeowners
6
C.
Homeowners 8
D. Homeowners 4 - ANSWER -B.
Homeowners 6
All HO policies issued in the state of New Hampshire
must include the
________
endorsement.
A. Personal Injury (HO 24 79)
B. Special Provisions New Hampshire — HO 01 28
C. Ordinance or Law (HO 04 77)
,D. Permitted Incidental Occupancies — Residence Premises
(HO 04 42) - ANSWER -B. Special Provisions New Hampshire
— HO 01 28
What does it mean when we say an insured dwelling in New
Hampshire is
unoccupied?
A. The insured is occupying less than 31% of the available
square footage.
B. Neither the insured nor his possessions are in the dwelling.
C. The insured is in the dwelling, but his possessions are not.
D. The insured is not in the dwelling, but his possessions are. -
ANSWER -D. The insured is not in the dwelling, but his
possessions are.
Of the following, who would qualify as an insured on a
homeowners policy
without being named on the
declarations page?
A. The named insured's 23-year-old daughter who is at an out-
of-state college
B. The named insured's nephew who lives next door
C. The named insured's 26-year-old son who is a full-time
graduate student D. The named insured's ex-husband who
lives 2 hours away - ANSWER -A. The named insured's 23-
year-old daughter who is at an out-of-state college
,In a homeowners policy, Coverage D - Loss of Use will NOT
cover:
A. meals out when a home is damaged and not habitable.
B. loss of rental income if a renter can't stay in the apartment
until damages are repaired.
C. hotel expenses when damage prevents the insured from
living in the home. D. loss of rental income after damage to a
rental unit has been fixed, but no new renter has been found.
- ANSWER -D. loss of rental income after damage to a rental
unit has been fixed, but no new renter has been found.
Michelle just purchased a homeowners policy for her new
single-family home. Although she would have liked the best
coverage money can buy, she could not afford the most
expensive policy. She compromised with a policy that provides
open-peril coverage for her house and detached garage, and
named-peril coverage for her personal property. Which
homeowners policy did Michelle purchase?
A. HO-
3
B. HO-
8
C. HO-
4
D. HO-5 - ANSWER -A.
HO-3
, Clark lost power to his home when a windstorm blew the roof
off of his house.
As a result, he lost several hundred dollars worth of meat that
he was keeping
in a freezer in his basement. Which homeowners coverage
might indemnify
Clark for the loss of his
meat?
A. Reasonable Repairs coverage
B. Consequential Loss coverage
C. Personal Property coverage
D. Property Removal coverage - ANSWER -C. Personal Property
coverage
In order to be considered "fully insured" at 80% or more,
Richard must carry at
least $240,000 in insurance coverage on his home. What
is the value of
Richard's
home?
A. $192,000
B. $240,000
C.
$300,000
D. $216,000 - ANSWER -C.
$300,000
