Common Homeowners Insurance Questions And Answers

  • ISO
Reviewed by Editorial Team
The ProProfs editorial team is comprised of experienced subject matter experts. They've collectively created over 10,000 quizzes and lessons, serving over 100 million users. Our team includes in-house content moderators and subject matter experts, as well as a global network of rigorously trained contributors. All adhere to our comprehensive editorial guidelines, ensuring the delivery of high-quality content.
Learn about Our Editorial Process
| By Themes
T
Themes
Community Contributor
Quizzes Created: 425 | Total Attempts: 1,037,423
| Attempts: 538 | Questions: 70 | Updated: May 12, 2025
Quiz Flashcard
Please wait...
Question 1 / 70
0 %
0/100
Score 0/100
1. A devise which is used to minimize small nuisance claims, keep insurance premiums down and may reduce morale hazards is called

Explanation

Chapter 3

Submit
Please wait...
About This Quiz
Common Homeowners Insurance Questions And Answers - Quiz

Here are a few common homeowners insurance questions and answers that every homeowner planning to buy a home policy should know. Also, this quiz will help in solving some of your queries related to property insurance. Homeowners insurance is generally a form of property insurance that covers destruction and damages... see moreto an individual's house and assets in the home. So, if you want to know more about it in detail, don't skip this quiz. Take it up and increase your understanding regarding your property. see less

2.
We’ll put your name on your report, certificate, and leaderboard.
2. The failure to act or not as a reasonable person would under similar circumstance is known as

Explanation

Chapter 4

Submit
3. Changes or additions to a policy contract are referred to as:

Explanation

Chapter 3

Submit
4. Installing an ADT alarm system is an example of which risk management technique?

Explanation

Chapter 2

Submit
5. Which one of the following is NOT an eligible vehicle for coverage under a Personal Auto Policy?

Explanation

A motorcycle is not an eligible vehicle for coverage under a Personal Auto Policy because motorcycles are typically covered under a separate insurance policy called a Motorcycle Insurance Policy. Personal Auto Policies are designed to provide coverage for cars, sedans, SUVs, and vans, but not for motorcycles. Motorcycles have different risks and require specialized coverage, which is why they are excluded from Personal Auto Policies.

Submit
6. Fire, lightning and hail are best used for which of the following terms?

Explanation

Chapter 2

Submit
7. Information about the premium and policy limits, the identity and address of the named insured, and the policy period is found in what part of an insurance policy?

Explanation

Chapter 3

Submit
8. Perils that are not covered by the policy contract are called

Explanation

Chapter 4

Submit
9. Something that may increase the seriousness of a loss or the likelihood that a loss will occur is called a

Explanation

Chapter 2

Submit
10. Which loss valuation will provide a new item for an old item if damaged by a covered claim?

Explanation

Chapter 4

Submit
11. Physical harm to a person is a definition of

Explanation

Bodily injury refers to physical harm or damage caused to a person's body. It includes injuries such as cuts, bruises, fractures, or any other harm that affects a person's physical well-being. This term is commonly used in legal and insurance contexts to describe the physical harm suffered by an individual as a result of an accident or intentional act.

Submit
12. If the Commissioner finds the person has violated insurance laws, it may issue a _______ requiring the offending party to stop the illegal activity

Explanation

Chapter 1

Submit
13. In order to collect on an insurance claim

Explanation

Chapter 2

Submit
14. Returning an insured back to the same financial condition prior to the loss is

Explanation

Chapter 2

Submit
15. When can the Commissioner examine an insurer's records?

Explanation

Chapter 1

Submit
16. Which one of the following would NOT be considered an insured on a policy contract?

Explanation

Chapter 2

Submit
17. If the insurance company cancels the policy, how will the unearned premium be returned to the policyholder?

Explanation

Chapter 3

Submit
18. Additional living expenses would be paid by which homeowner policy coverage?

Explanation

Chapter 6

Submit
19. Which one of the following locations will NOT be covered on a personal auto policy?

Explanation

Chapter 5

Submit
20. Which policy would be used to insure a condo?

Explanation

Chapter 6

Submit
21. Which term best describes the insurance company's assumption of the insured's legal rights to sue the at-fault party?

Explanation

Chapter 3

Submit
22. An insured responding to a question to the best of their knowledge would be

Explanation

Chapter 3

Submit
23. Giving someone sporting tickets in exchange for purchasing a policy is called

Explanation

Chapter 1

Submit
24. Damage to fishing equipment would be claimed under which homeowner policy coverage?

Explanation

Chapter 6

Submit
25. An insured's indifference to a loss or attitude about safety can create a

Explanation

Chapter 2

Submit
26. In some states if the injured party can be proven even partially responsible for the accident, they are barred from recovery, this is called

Explanation

Chapter 4

Submit
27. Non-renewal refers to a termination of coverage anytime during the middle of the policy period

Explanation

Chapter 3

Submit
28. What are open perils?

Explanation

Chapter 4

Submit
29. How long will personal property be covered at a new location?

Explanation

Chapter 6

Submit
30. How will your homeowner policy cover the insured when their pet bites someone?

Explanation

Chapter 6

Submit
31. Personal automobile medical payments cover

Explanation

Chapter 5

Submit
32. What is the limit called when you have more than one property at more than one location covered by one single limit on the policy?

Explanation

Chapter 4

Submit
33. Making a false statement intended to injure an insurer's reputation is an illegal practice known as:

Explanation

Chapter 1

Submit
34. Which one of the following is guaranty that all the information provided is correct?

Explanation

Chapter 3

Submit
35. Coverage D on an Homeowner's policy will NOT cover for which of the following claims>

Explanation

Chapter 6

Submit
36. The fire department service charge is how much?

Explanation

Chapter 6

Submit
37. The Insurance Commissioner is empowered to:

Explanation

Chapter 1

Submit
38. Unequal transfer of value between the insurer and Named Insured is

Explanation

Chapter 3

Submit
39. What coverage do the numbers 100/3000 represent in a 100/300/50 split limit?

Explanation

Chapter 4

Submit
40. All of the following are resident producer requirements EXCEPT:

Explanation

Chapter 1

Submit
41. Coverage D will cover which type of loss?

Explanation

Chapter 6

Submit
42. Which of the following damages will punish the responsible party?

Explanation

Chapter 4

Submit
43. What type of financial loss occurs as a consequence of direct loss?

Explanation

Chapter 2

Submit
44. Which of the following is NOT considered unfair discrimination

Explanation

Chapter 3

Submit
45. All of the following are elements necessary for a contract to be valid, EXCEPT:

Explanation

Chapter 3

Submit
46. All of the following will be listed on a written binder, EXCEPT:

Explanation

Chapter 3

Submit
47. Which clause found in the policy contract states that the Named Insured may not transfer policy ownership without the insurers consent?

Explanation

Chapter 3

Submit
48. Coverage E on a homeowner policy covers which of the following?

Explanation

Chapter 6

Submit
49. Which of the following is NOT considered an insured location on a homeowner policy?

Explanation

Chapter 6

Submit
50. A building that does NOT contain enough personal property to be used for that purpose and no one was home at the time of the loss best describes which of the following terms?

Explanation

Chapter 6

Submit
51. It is illegal for an agent to pay, allow, give, offer, or promise to a prospective insurance buyer any return of premiums, any special favor or advantage, or anything of value not specified in the insurance contract, as an inducement to buy insurance because this practice is known as

Explanation

Chapter 1

Submit
52. What are payments that are automatically included and do not affect the limit of liability?

Explanation

Chapter 4

Submit
53. What is NOT covered by supplementary payments under Section II of a homeowner policy?

Explanation

Chapter 66

Submit
54. An unendorsed homeowner policy will settle personal property for which valuation method?

Explanation

Chapter 6

Submit
55. Underinsured motorist coverage provides protection to an insured after an accident in which of the following situation

Explanation

Chapter 5

Submit
56. Which one of the following homeowner forms does NOT provide Coverage A?

Explanation

Chapter 6

Submit
57. Each of the following must be present to establish negligent liability, EXCEPT

Explanation

Chapter 4

Submit
58. What is proximate cause?

Explanation

Chapter 4

Submit
59. How is the premium returned when the Named Insured cancels the policy?

Explanation

Chapter 3

Submit
60. What will happen to your policy premium if you decrease your deductible?

Explanation

If you decrease your deductible, it means that you will have to pay less out of pocket before your insurance coverage kicks in. This will result in a lower policy premium because the insurance company will have to cover a larger portion of the costs in the event of a claim.

Submit
61. Where will the perils insured against be found in the policy contract?

Explanation

Chapter 3

Submit
62. For an investigative consumer report the customer has to be advised in writing within

Explanation

Chapter 1

Submit
63. This covers the insured up to $1,000 in the event property owned by the homeowner's association suffers a loss that would be a covered loss under the insured's policy.

Explanation

Chapter 6

Submit
64. Where in a policy would you find the exception for whether intentional acts are covered?

Explanation

Chapter 3

Submit
65. What is awarded for pain and suffering following an accident?

Explanation

General Damages are awarded for pain and suffering following an accident. These damages are meant to compensate the injured party for the physical and emotional pain, as well as any loss of enjoyment of life, that they have experienced as a result of the accident. General Damages are different from Special Damages, which are awarded to cover specific financial losses such as medical expenses and lost wages. Punitive Damages and Exemplary Damages, on the other hand, are awarded in cases where the defendant's conduct was particularly egregious or malicious, and are meant to punish the defendant rather than compensate the plaintiff.

Submit
66. Which one of the following policies will cover real and personal property for special perils?

Explanation

Chapter 6

Submit
67. Which one of the following is an additional coverage on all homeowner policies?

Explanation

Chapter 6

Submit
68. Section II, Liability in a homeowner policy would NOT cover all of the following EXCEPT?

Explanation

Chapter 6

Submit
69. Which one of the following would only be covered under special perils?

Explanation

Chapter 6

Submit
70. What coverage on a homeowners policy will pay out regardless of fault

Explanation

Chapter 6

Submit
View My Results
Cancel
  • All
    All (70)
  • Unanswered
    Unanswered ()
  • Answered
    Answered ()
A devise which is used to minimize small nuisance claims, keep...
The failure to act or not as a reasonable person would under similar...
Changes or additions to a policy contract are referred to as:
Installing an ADT alarm system is an example of which risk management...
Which one of the following is NOT an eligible vehicle for coverage...
Fire, lightning and hail are best used for which of the following...
Information about the premium and policy limits, the identity and...
Perils that are not covered by the policy contract are called
Something that may increase the seriousness of a loss or the...
Which loss valuation will provide a new item for an old item if...
Physical harm to a person is a definition of
If the Commissioner finds the person has violated insurance laws, it...
In order to collect on an insurance claim
Returning an insured back to the same financial condition prior to the...
When can the Commissioner examine an insurer's records?
Which one of the following would NOT be considered an insured on a...
If the insurance company cancels the policy, how will the unearned...
Additional living expenses would be paid by which homeowner policy...
Which one of the following locations will NOT be covered on a personal...
Which policy would be used to insure a condo?
Which term best describes the insurance company's assumption of...
An insured responding to a question to the best of their knowledge...
Giving someone sporting tickets in exchange for purchasing a policy is...
Damage to fishing equipment would be claimed under which homeowner...
An insured's indifference to a loss or attitude about safety can...
In some states if the injured party can be proven even partially...
Non-renewal refers to a termination of coverage anytime during the...
What are open perils?
How long will personal property be covered at a new location?
How will your homeowner policy cover the insured when their pet bites...
Personal automobile medical payments cover
What is the limit called when you have more than one property at more...
Making a false statement intended to injure an insurer's...
Which one of the following is guaranty that all the information...
Coverage D on an Homeowner's policy will NOT cover for which of...
The fire department service charge is how much?
The Insurance Commissioner is empowered to:
Unequal transfer of value between the insurer and Named Insured is
What coverage do the numbers 100/3000 represent in a 100/300/50 split...
All of the following are resident producer requirements EXCEPT:
Coverage D will cover which type of loss?
Which of the following damages will punish the responsible party?
What type of financial loss occurs as a consequence of direct loss?
Which of the following is NOT considered unfair discrimination
All of the following are elements necessary for a contract to be...
All of the following will be listed on a written binder, EXCEPT:
Which clause found in the policy contract states that the Named...
Coverage E on a homeowner policy covers which of the following?
Which of the following is NOT considered an insured location on a...
A building that does NOT contain enough personal property to be used...
It is illegal for an agent to pay, allow, give, offer, or promise to a...
What are payments that are automatically included and do not affect...
What is NOT covered by supplementary payments under Section II of a...
An unendorsed homeowner policy will settle personal property for which...
Underinsured motorist coverage provides protection to an insured after...
Which one of the following homeowner forms does NOT provide Coverage...
Each of the following must be present to establish negligent...
What is proximate cause?
How is the premium returned when the Named Insured cancels the policy?
What will happen to your policy premium if you decrease your...
Where will the perils insured against be found in the policy contract?
For an investigative consumer report the customer has to be advised in...
This covers the insured up to $1,000 in the event property owned by...
Where in a policy would you find the exception for whether intentional...
What is awarded for pain and suffering following an accident?
Which one of the following policies will cover real and personal...
Which one of the following is an additional coverage on all homeowner...
Section II, Liability in a homeowner policy would NOT cover all of the...
Which one of the following would only be covered under special perils?
What coverage on a homeowners policy will pay out regardless of fault
Alert!

Back to Top Back to top
Advertisement