California Insurance Practice Test - Free 20 Questions

Question 1

A guest slips on Hannah's porch and requires a $1,000 trip to the ER, regardless of fault. Which section of Hannah's Homeowners policy would respond to this claim?

Accepted Answer

Coverage F (Medical Payments to Others)

Answer

Coverage A (Dwelling)

Answer

Coverage C (Personal Property)

Answer

Coverage D (Loss of Use)

Question 2

A named peril damages landscaping at the residence. Which limited additional coverage may apply?

Accepted Answer

Trees shrubs and plants

Answer

Business exclusion

Answer

Equipment breakdown

Answer

HO 2 Broad Form

Question 3

An insured rents an apartment on the residence premises and owns the appliances inside it. Which additional coverage provides limited protection for those items?

Accepted Answer

Landlord furnishings

Answer

Money special limit

Answer

Personal injury

Answer

Residence premises

Question 4

A detached structure is used principally for the insured's business. Which Coverage B limitation generally applies?

Accepted Answer

Coverage B business-use limitation

Answer

Replacement cost threshold

Answer

Permitted incidental occupancies

Answer

DP 1 Basic Form

Question 5

After a covered wind loss, the insured pays to remove damaged roofing and other debris. Which homeowners additional coverage applies?

Accepted Answer

Debris removal

Answer

Additional living expense

Answer

Controlled substance exclusion

Answer

Owner-occupied eligibility

Question 6

Following a severe storm, Hannah files a claim under their HO-3 policy. Under which coverage section would additional living expenses if the home becomes uninhabitable be paid?

Accepted Answer

Coverage D (Loss of Use)

Answer

Coverage E (Personal Liability)

Answer

Coverage F (Medical Payments)

Answer

The policy deductibles section

Question 7

Bob owns an older home where replacement cost far exceeds market value. Which Homeowners policy form is most appropriate?

Accepted Answer

HO-8 (Modified Coverage Form)

Answer

HO-2

Answer

HO-3

Answer

DP-1

Question 8

An insured wants specified property and liability protection extended to a relative living in an assisted-living facility. Which endorsement is appropriate?

Accepted Answer

Assisted living care

Answer

HO 2 Broad Form

Answer

HO 8 Modified Coverage Form

Answer

Credit card forgery

Question 9

Deeds, accounts, and securities are destroyed in a covered loss. Which Coverage C special limit restricts payment?

Accepted Answer

Securities special limit

Answer

Reasonable repairs

Answer

Vacant land insured location

Answer

Home business endorsement

Question 10

An insured owns an aircraft and spare aircraft parts. Which Coverage C property exclusion is relevant?

Accepted Answer

Property not covered aircraft

Answer

Business property off-premises limit

Answer

Civil authority prohibited use

Answer

Functional replacement cost endorsement

Free California Dwelling & Homeowners Practice Test

Question 1 of 10

A guest slips on Hannah's porch and requires a $1,000 trip to the ER, regardless of fault. Which section of Hannah's Homeowners policy would respond to this claim?