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CHAPTER 5 - DWELLINGCHAPTER 5 - DWELLINGCOVERAGE QUESTIONSCOVERAGE QUESTIONS

PREPARED BY THE FOLLOWING TECHNOLOGY CENTER CSR

ACADEMIES:

CADDO-KIOWAEASTERN OKLAHOMA COUNTY

GORDON COOPERSOUTHWEST

WES WATKINS

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CHAPTER 5-DWELLINGS CHAPTER 5-DWELLINGS

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A COMPLETE DWELLING POLICY CONSISTS OF ALL OF THE FOLLOWING EXCEPT:

A. DECLARATION PAGEB. VARIOUS ENDORSEMENTSC. COMPETENT PARTIESD. OPTIONAL THEFT COVERAGE

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CHAPTER 5-DWELLINGSCHAPTER 5-DWELLINGS

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WHICH ONE OF THESE ARE REQUIRED FOR DWELLING POLICY:

A. OPTIONAL THEFT COVERAGE ENDORSEMENT

B. OPTIONAL PERSONAL LIABILITY SUPPLEMENT

C. VARIOUS ENDORSEMENTSD. DECLARATIONS PAGE

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WHAT DWELLING FORM(S) COVER FIRE, LIGHTENING, BURGLARY, AND OVERFLOW OF WATER?

A. BASIC & OPTIONALB. BROAD & SPECIALC. SPECIAL & BASICD. OPTIONAL ONLY

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COVERAGE D COVERS WHAT?

A. PERSONAL PROPERTYB. SPECIFIC FORMSC. BASIC FORMSD. BROAD FORMS

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WHAT MEANS AN ACCIDENT, INCLUDING CONTINUOUS OR REPEATED EXPOSURE TO SUBSTANTIALLY THE SAME GENERAL HARMFUL CONDITIONS

A. BODILY INJURYB. OCCURRENCEC. BUSINESSD. RESIDENCE PREMESIS

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WHEN USING THE BASIC DWELLING PROPERTY FORM, WHAT IS THE MINIMUM DEGREE OF COVERAGE?

A. $4,000B. $15,000C. $12,000D. NONE OF THE ABOVE

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COVERAGE E IS AVAILABLE ONLY ON WHICH FORM?

A. BROAD FORMB. SPECIAL FORMC. OPTIONAL FORMD. BASIC FORM

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WHAT IS THE REMOVAL COVERAGE FOR BROAD FORMS?

A. 5 DAYSB. 11 DAYSC. 30 DAYSD. NONE OF THE ABOVE

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THE BROAD FORM FOR EXPLOSIONS

EXCLUDE(S) STEAM BOILERS OR STEAM PIPES

A. DOES NOTB. ALWAYSC. NEVERD. AUTOMATICALLY

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WHAT IS PHYSICAL INJURY TO, DESTRUCTION OF, OR LOSS OF USE OF TANGIBLE PROPERTY?

A. LIBERALIZATIONB. PROPERTY DAMAGEC. RESIDENCE PREMESISD. MOBILE HOME ENDORSEMENT

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ALL OF THE FOLLOWING ARE SPECIAL LIMITS OF LIABILITY EXCEPT:

A. $200 FOR MONEY & BANK NOTESB. $2,000 FOR ANIMALSC. $2,000 FOR FIREARMSD. $1,000 FOR JEWELRY

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WHEN THE INSURED IS A TENTANT, UP TO 10% OF THE COVERAGE C LIMIT MAY BE APPLIED AGAINST LOSS BY A COVERED PERIL EXCEPT

A. ALTERATIONSB. REMOVALC. IMPROVEMENTSD. ADDITIONS

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WHAT KIND OF FORMS PROVIDE COVERAGE FOR THE BREAKAGE OF GLASS OR SAFETY GLAZING MATERIAL?

A. BROADB. SPECIALC. BASICD. BOTH A & B

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DWELLING POLICY FORMS ARE FILED BY THE

A. INSURANCE SALES OFFICEB. INSURANCE SUPPLEMENT OFFICEC. INSURANCE SERVICES OFFICED. INSURANCE SPECIAL OFFICE

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MEDICAL PAYMENTS TO OTHERS COVERS NECESSARY MEDICAL EXPENSES INSURED WITHIN ____ OF AN ACCIDENT CAUSING BODILY INJURY:

A. 1 YEAR B. 4 YEARSC. 3 YEARS D. 7 YEARS

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ALL OF THE FOLLOWING ARE COVERED ON THE DWELLING & OTHER STRUCTURES EXCEPT:

A. NAMED INSURERB. SPOUSEC. INSURED’S FAMILYD. GUESTS AND SERVANTS

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WHO DOES THE COVERAGE CONTINUE FOR WHEN THE NAMED INSURED DIES?

A. INSURED FAMILYB. LEGAL REPRESENTATIVESC. HOMEOWNERD. GUESTS

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DWELLING FORMS _ COVER LOSSES CAUSED BY EARTHQUAKES.

A. DO NOT AUTOMATICALLYB. AUTOMATICALLYC. UPON REQUEST, AUTOMATICALLYD. PAY 80% OF THE ACV TO

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THE FOLLOWING PROPERTY IS NOT COVERED UNDER LIMITED LIABILITY COVERAGE EXCEPT:

A. MONEYB. MOTOR VEHICLESC. WATERCRAFTD. BUSINESS PROPERTY

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WHICH PROPERTY FORM EXCLUDES COVERAGE FOR OUTSIDE LAWNS, PLANTS, SHRUBS, AND TREES?

A. BROAD C. BASIC B. SPECIAL D. NONE OF THE

ABOVE

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AN INSURED LOCATION INCLUDES ALL OF THE FOLLOWING EXCEPT

A. THE RESIDENCE PREMISESB. VACANT LAND OWNED OR RENTED

TO AN INSUREDC. FAMILY CEMETARY PLOTSD. FARM LAND

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DWELLING AND HOMEOWNERS COVERAGES ARE AMONG THOSE CLASSIFIED AS:

A. PERSONAL LINESB. COMMERCIAL LINESC. PROPERTY INSURANCED. INDIVIDUAL LINES

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WHICH OF THE FOLLOWING ARE INSURED UNDER THE DWELLING FORM?

A. TRAVEL TRAILERSB. FARM DWELLINGSC. PERMANENTLY LOCATED MOBILE

HOMED. BOTH B & C

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THE BROAD THEFT COVERAGE ENDORSEMENT CONTAINS ALL OF THE FOLLOWING EXCEPT:

A. BUSINESSB. INSUREDC. INSURERD. RESIDENCE EMPLOYEE

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AFTER A POLICY HAS BEEN IN EFFECT FOR AT LEAST 90 DAYS, OR AFTER RENEWAL, THE INSURER MUST GIVE HOW MANY DAYS NOTICE OF CANCELLATION?

A. 30 DAYS C. 60 DAYSB. 15 DAYS D. 100 DAYS

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HOW MANY DAYS ADVANCED NOTICE FROM THE INSURER IS REQUIRED WHEN THE POLICY IS BEING CANCELLED FOR NONPAYMENT OF PREMIUM

A. 60 C. 30B. 10 D. 120

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ALL FORMS PROVIDE UP TO $500 OF COVERAGE FOR FIRE DEPT. SERVICES WHICH THE INSURED HAS ASSUMED LIABILITY FOR UNDER CONTRACT OR AGREEMENT IF YOU LIVE

A. IN THE CITYB. IN A FIRE PROTECTION DISTRICTC. IN A MUNICIPALITYD. IN THE COUNTRY

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THE SPECIAL FORM INSURES THE DWELLING & OTHER STRUCTURES AGAINST RISK OF DIRECT PHYSICAL LOSS EXCEPT:

A. WHEN INFLATINON GUARD RAISES INSURANCE

B. WHEN STATE LAW PROHIBITS COVERAGE

C. TO THE EXTENT THAT EXLUSION & LIMITATIONS APPLY

D. FOR THE FIRST 60 DAYS OF COVERAGE

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A COMPLETE DWELLING POLICY MAY CONSIST OF THE FOLLOWING ELEMENTS EXCEPT:

A. DECLARATIONS PAGEB. OPTIONAL COVERAGEC. OPTIONAL PERSONAL LIABILITYD. AGREEMENT PAGE

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ADDITIONAL LIVING EXPENSES WERE MADE DUE TO INCREASE IN RENTAL VALUE CLAIMS FOLLOWING:

A. MAJOR HURRICANESB. INCREASE VALUE IN LANDC. BLIZZARDSD. TORNADOES

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THE SPECIAL LIMITS OF LIABILITY FOR THEFT COVERAGE INCLUDES:

A. FIRST AID TO OTHERSB. $2,000 FOR FIREARMSC. $1,000 FOR TRAILERS NOT USED

WITH WATERCRAFTD. ACTS OF WAR

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THE STANDARD DEDUCTIBLE ON A DWELLING FORM IS:

A. $100B. $200C. $250D. $500

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THE DWELLING FORMS ARE:

A. SPECIAL, BROAD, RATINGB. BROAD, BASIC, PERSONAL LINESC. BASIC, BROAD, SPECIALD. BROAD, STRUCTURAL, BASIC

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WHICH OF THE FOLLOWING ARE COVERED UNDER BROAD THEFT COVERAGE?

A. ANIMALSB. PROPERTY OF TENANTSC. FIREARMSD. CREDIT CARDS

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THE ISO REFERS TO THE NEW DWELLING PROGRAM AS

A. 1940 EDITIONB. 1988 EDITIONC. 1989 EDITIOND. 1990 EDITION

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WHAT COVERAGE MEANS PROPERTY REMOVED FROM THE PREMISES TO PROTECT IT FROM A PERIL INSURED AGAINST

A. DWELLINGB. NAMED INSUREDC. PERSONAL LINESD. REMOVAL

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__________ MEANS AN EMPLOYEE OF ANY INSURED WHO PERFORMS DUTIES RELATED TO MAINTENACE OR USE OF RESIDENCE PREMISES

A. PERSON INSUREDB. RESIDENCE EMPLOYEEC. PREJUDGEMENT INTERESTD. POSTJUDGEMENT INTEREST

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