CISR: Homeowners Exam With 100%
Correct Answers 2026
The two major sections of the Homeowners policy are ___________________ &
Section II Personal Liability - Correct Answer-Section I Property Coverages
Combining these two sections provides a ______________________ used to insure
loss exposures related to owning, occupying and maintaining
________________________ - Correct Answer-Package Policy; a Residence
Which type of homeowners policy is appropriate for a condominium owner seeking
insurance for both structure and contents? - Correct Answer-HO 6 Unit Owners Form
Which of the following are found on the Homeowners Declarations? Coverage Form
Applicable; Named insured; Mortgagee; All of the above. - Correct Answer-All of the
above
Which of the following people would be considered an insured as defined in the policy?
Harry, the policyholder named in the Declarations; or Harry's adult daughter and her
spouse who live in another city. - Correct Answer-Harry, the policyholder named in the
Declarations
Do you think that a lake cabin your insured purchased 2 years ago is automatically an
"insured location" on the Homeowners Policy for their home in the city? Yes; No -
Correct Answer-No
An occurrence can include repetitive action that happens over time, such as a slow
water leak. True; False - Correct Answer-True
Do you think that the definition of "residence employee" includes an individual who is
employed by the insured's home based business? Yes; No - Correct Answer-No
The four parts of Section I Property Coverage include all of the following except:
Coverage A Dwelling; Coverage D Loss of Use; Coverage F Medical Payments;
Coverage C Personal Property - Correct Answer-Coverage F Medical Payments
Select the item that could be covered under Coverage B Other Structures: A gazebo on
the residence premises; A sofa inside the insured residence; A garage attached to the
insured residence. - Correct Answer-A gazebo on the residence premises
The Personal Property limit, or Coverage C, is usually ______% of the Dwelling Limit -
Correct Answer-50%
