Perils and Coverage Forms

Which of the following perils is covered by all the homeowner policy forms?

Suzanne has a homeowners insurance policy that covers the broad form perils. Which of the following is a covered cause of loss on Suzanne’s policy?

Lewis has a homeowners insurance policy that covers the broad form perils. Which of the following is NOT a covered cause of loss on Lewis’ policy?

Which of the following homeowner policy forms provides open peril coverage for dwellings and other structures?

What does it mean if a policy is an open peril form?

What is the main difference between an HO-2 and an HO-3 policy?

The replacement cost of Roberto’s home is $500,000. Roberto’s HO-3 policy has an 80% coinsurance requirement. Therefore, Roberto is required to

Tammy is a tenant who rents the home she lives in. Which homeowners insurance policy form does Tammy need?

Carly owns a condominium unit that she occupies. Which homeowners insurance policy form does Carly need?

Martha recently purchased a home for $90,000. The home was built in 1927, it is a large home (4,000 square feet), and it needs lots of repairs. If the home were completely destroyed, it would cost $450,000 to replace. Which homeowners policy form does Martha need?

Which of the following situations could be covered by an HO-4 policy?

Which of the following forms covers the most perils (causes of loss)?

Which Homeowners policy form provides open peril coverage for Dwelling and Other Structures and also Personal Property?

What type of coverage does the HO-4 provide for Dwelling and Other Structures?