Which of the following is not eligible for the Dwelling Program?
a. Dwelling has 5 roomers
b. Dwelling has 4 apartment units
c. Dwelling is located on farm property
d. Dwelling includes a piano school
c. Dwelling is located on farm property
Which of the following dwelling forms pays for losses to the dwelling on an actual cash value basis?
a. DP-1
b. DP-2
c. DP-3
d. DP-4
a. DP-1
Which of the following dwelling program forms covers the building on an open peril basis?
a. DP-1
b. DP-2
c. DP-3
d. DP-4
c. DP-3
An attached carport is covered under which of the following coverages?
a. Coverage A
b. Coverage B
c. Coverage C
d. Coverage D
a. Coverage A
All of the following is covered under Coverage B - Other Structures, except:
a. Swimming pool
b. Construction materials
c. Shed
d. Storage building
b. Construction materials
All of the following are types of property NOT covered under Coverage C - Personal Property, except:
a. A dog
b. Canoes
c. Motor vehicles
d. Credit cards or fund transfer cards
b. Canoes
Which coverage pays for the loss of rents due to direct loss to the dwelling from a covered peril?
a. Coverage B
b. Coverage C
c. Coverage D
d. Coverage E
c. Coverage D
Which of the following is NOT true about coverage for Property Removed?
a. Property is covered while being removed from the premises to avoid a covered loss
b. Coverage applies under the DP-3 form for 30 days while the property is removed
c. Coverage does
d. Property coverage applies under the DP-1 policy for 30 days while the property is removed
The limit of insurance for the Other Coverage Trees, Shrubs, and Other Plants is provided at which percentage of the Coverage A limit?
a. 5%
b. 10%
c. 50%
d. 100%
a. 5%
Which of the following does not apply to the Other Coverage Glass or Safety Glazing Material?
a. Covers glass that is part of a covered structure
b. Applies to all Dwelling forms
c. No coverage applies if a dwelling is vacant for 60 consecutive days befor
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The Earth Movement exclusion contains all of the following perils, except:
a. Mudflow
b. Explosion
c. Landslide
d. Earthquake
b. Explosion
What type of power failure is excluded under all of the dwelling forms?
a. Power failure that occurs on the insured premises
b. Power failure that causes a fire to a neighboring property
c. Power failure that occurs off the insured premises
d. Power failu
c. Power failure that occurs off the insured premises
The Automatic Increase in Insurance endorsement typically increases Coverages A and B by which of the following?
a. Flat amount
b. A percentage designated on the endorsement
c. $10,000
d. $23,500
b. A percentage designated on the endorsement
All of the following statements are TRUE about the Broad Theft Coverage endorsement, EXCEPT?
a. It does not apply to the DP-1
b. Both on- and off-premises coverage is available
c. Theft and attempted theft are covered
d. Resulting damage caused by malicio
a. It does not apply to the DP-1
The Personal Liability endorsement includes each of the following additional coverages, except:
a. First aid expenses
b. Damage to the property of others
c. Claims expenses
d. Debris removal
d. Debris removal
Which of the following coverages is not provided by the Personal Liability endorsement?
a. First aid expenses
b. Injury caused to a regular resident of the dwelling
c. Medical payments to others
d. Defense costs
b. Injury caused to a regular resident of the dwelling
Coverage D covers which of the following losses?
a. Access prevented by a civil authority because of a neighboring location's direct loss by a peril covered under the insured's policy
b. Damage to a swimming pool
c. Additional Living Expense
d. Loss of re
a. Access prevented by a civil authority because of a neighboring location's direct loss by a peril covered under the insured's policy
All of the following are eligible for coverage under the Dwelling Program, except:
a. A duplex
b. A vacation home used as a secondary residence
c. A single-family home in the suburbs
d. A beauty shop with a small bedroom attached
d. A beauty shop with a small bedroom attached
Which of the following perils is not covered under the Dwelling Broad Form?
a. Burglary damage
b. Vehicle damage to the dwelling
c. Weight of ice and snow
d. Smoke damage from industrial operations
d. Smoke damage from industrial operations
Sudden and accidental damage from artificially generated electrical current best describes a(n):
a. Power failure
b. Mechanical breakdown
c. Power surge
d. Internal explosion
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Water damage caused by which of the following is a covered loss under the Dwelling policy?
a. Leaks through a driveway
b. Overflow of water from a sump pump
c. Discharge caused by a plumbing failure
d. Water below the surface of the ground
c. Discharge caused by a plumbing failure
Which statement is true concerning Dwelling policies?
a. The Special Form automatically covers the contents against the peril of theft
b. The Basic Form pays for losses to the dwelling on a replacement cost basis
c. 100% of Coverage C applies to worldwide
d. The Special Form insures the dwelling on an open perils basis, and insures the contents against the broad form perils
All of the following are covered perils under the Extended Coverage Endorsement to the DP-1, except:
a. Vehicles
b. Volcanic eruption
c. Windstorm
d. Weight of ice, snow or sleet
d. Weight of ice, snow or sleet
All of the following are true of Dwelling Special Form, except:
a. Both the dwelling and contents are covered on an open perils basis
b. Mobile homes are not eligible
c. The dwelling must be used principally for residential dwelling purposes
d. Losses to
a. Both the dwelling and contents are covered on an open perils basis
Which form would not insure against external explosion?
a. DP-3
b. Unendorsed DP-1
c. DP-2
d. Endorsed DP-1
b. Unendorsed DP-1
The Dwelling Broad Form (DP-2) insures against all of the following perils, except:
a. Damage caused by burglars
b. Accidental discharge or overflow
c. Breakage of glass that is a part of a building, storm door or window
d. Theft
d. Theft
Which DP form does not cover burglar damage?
a. Basic Form (DP-1)
b. None of the Dwelling Policies cover damage done by burglars
c. Special Form (DP-3)
d. Broad Form (DP-2)
a. Basic Form (DP-1)
Which of the following is true of a Dwelling Form?
a. The Special Form covers the building and other structures on an open perils basis
b. The Basic Form covers the contents on an open perils basis
c. The Basic Form covers the contents against theft
d. Th
a. The Special Form covers the building and other structures on an open perils basis
Which of the following describes the loss settlement basis for a fire damage claim to a dwelling insured under a DP-3 policy?
a. Replacement cost up to the Coverage B limit
b. Replacement cost up to the Coverage A limit
c. Actual cash value of the dwellin
b. Replacement cost up to the Coverage A limit
An insured tenant may use up to what percentage of Coverage C to improve the premises?
a. 5%
b. 0%
c. 20%
d. 10%
d. 10%
Which of the following statements about the DP-3 Policy is false?
a. Losses to the dwelling are paid on a replacement cost basis
b. The insured dwelling must be used principally for dwelling purposes
c. Mobile homes are not eligible
d. The dwelling and co
d. The dwelling and contents are both covered on an open perils basis
Policyholder L has a DP-1 with a Coverage A amount of $300,000. Following a severe storm, she suffers a covered loss to the dwelling of $275,000 and a covered loss to a detached swimming pool of $30,000. How much will L's policy pay?
a. $305,000
b. $275,0
c. $300,000
All of the following are true of the Dwelling Policy Broad Form, except:
a. The broad form automatically covers incidental business occupancies
b. The dwelling and contents are covered for the broad form perils
c. The broad form covers dwellings located o
c. The broad form covers dwellings located on farms
The abrupt falling down or caving in of a building disallowing it to be used for its intended purpose is the definition of:
a. Collapse
b. Defective planning
c. Settling
d. Earth movement
a. Collapse
Which of the following properties is ineligible to be insured under a Dwelling Policy?
a. Mobile homes
b. Dwellings containing three apartment units
c. Farms
d. Dwellings with any type of business in them
c. Farms
Which of the following statements about Fire Department Service Charge coverage is not correct?
a. The policy deductible does not apply to this coverage
b. The policy will pay up to $1,000 for Fire Department Service Charge coverage
c. Coverage does not a
b. The policy will pay up to $1,000 for Fire Department Service Charge coverage
The Limited Theft Coverage endorsement to the DP is used under which of the following circumstances?
a. The dwelling has been vacant for more than 60 days
b. The insured dwelling is owner-occupied
c. Coverage is desired for off-premises property
d. The in
d. The insured dwelling is tenant-occupied
Which of the following is true under the Dwelling policy?
a. The Basic Form covers loss to trees, shrubs and plants
b. The Broad Form automatically covers contents against theft
c. The Special Form covers contents on an open perils basis
d. The Basic Form
d. The Basic Form covers the perils of fire, lightning and internal explosion
All of the following are true regarding Dwelling policy eligibility, except:
a. Mobile homes are eligible if written on a DP-1
b. The dwelling must be used for seasonal or secondary purposes
c. Some incidental business occupancies are permitted
d. Farm dw
b. The dwelling must be used for seasonal or secondary purposes
Which is true regarding Dwelling policies?
a. Coverage C includes coverage for personal property of tenants and boarders
b. Coverage B would cover an attached garage
c. Coverage D is considered a direct loss coverage
d. Coverage C applies while insured pr
d. Coverage C applies while insured property is located at the described location
Under Coverage C of the Special Dwelling Form, all of the following are included, except:
a. Household and personal property
b. Property of others that is in the care, custody and control of the insured
c. The insured's golden retriever
d. At the insured'
c. The insured's golden retriever
The DP-3 insures personal property against the same perils as:
a. The DP-2 Personal Property Coverage
b. The DP-3 Dwelling coverage
c. The DP-1 Personal Property Coverage
d. The DP-1 Dwelling Coverage
a. The DP-2 Personal Property Coverage
Which of the following is correct regarding damage caused by vandalism under the Basic Dwelling Form?
a. It is covered as an extended coverage peril
b. It is covered as a basic peril
c. Vandalism of vacant buildings is automatically covered
d. Vandalism c
d. Vandalism coverage must be added by the V&MM endorsement
All of the following statements are correct regarding Coverage E, except:
a. Additional living expense coverage is available if the dwelling is uninhabitable
b. Coverage applies to the extent of the insured's normal standard of living
c. Coverage E is ava
c. Coverage E is available under all
Which is true of the Dwelling policy Special Form?
a. Losses to the dwelling are paid on an actual cash value basis
b. The form will cover the cracking of walls
c. Contents are covered on an actual cash value basis
d. The form will cover the theft of cont
c. Contents are covered on an actual cash value basis