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Home Insurance Quiz

How much do you know about Homeowners Insurance?

Test your home insurance knowledge. See if you are ready to negotiate the best home, condo, or renter's insurance price and coverage from the nations top companies!

Test your Home Insurance IQ Now!

  1. Is flood covered in your standard homeowner policy?
    1. Yes
    2. It Depends
    3. No
  2. Which peril is not typically covered in a homeowner policy?
    1. Falling Objects
    2. Lightning
    3. Vehicles careening into your home
    4. Mud slide that damages the foundation
  3. If you schedule (specifically list) personal property to be covered on your homeowner policy, do you have to pay a deductible if something happens to it?
    1. Yes
    2. It Depends
    3. No
  4. Which Liability Lawsuit would not be covered under your standard homeowner policy?
    1. You hit a golf ball on the golf course, it is severely hooked and hits a man right on the head. He subsequently sues you.
    2. A man slips and falls on your sidewalk and sues you for not properly maintaining your premises.
    3. Your son spreads untrue and devastating rumors about one of his teachers in school. The teacher sues for slander.
    4. You are playing soccer at the park and accidentally kick a player from the other team in the shin. He sues you for surgery he ends up having to get.
  5. Medical Payments coverage pays for which of the following?
    1. Surgery to others
    2. Ambulance rides
    3. Emotional distress
    4. Prosthetic limbs
    5. Surgery to others, ambulance rides, and emotional distress
    6. Surgery to others, ambulance rides, and prosthetic limbs
    7. Ambulance rides and emotional distress
    8. All of the above
  6. Which of the following is not a standard coverage that comes in the homeowner insurance package?
    1. Loss of Use
    2. Personal Injury Protection
    3. Other Structures
    4. Liability
  7. You have an HO5 policy (full open peril coverage). A deer enters your house while you are away and destroys your couch, coffee table, kitchen table, and a chest. Do you have coverage?
    1. Yes
    2. It Depends
    3. No
  8. What does it mean if you have an "open perils" policy?
    1. Your policy covers you for anything that could happen to your home except for specific exclusions
    2. Your policy covers you for anything that could happen to your home, except when you leave the doors open
    3. Your policy covers you for an "open array" of disasters, like fire, lightning, and wind
    4. Your policy only covers you for perils that are named on the policy Declarations page
  9. Which additional coverage is typically included in a standard homeowner package?
    1. Debris Removal
    2. Trees, shrubs, and other plants
    3. Fire department service charge
    4. Grave Markers
    5. All of the above
    6. None of the above
  10. Is Earth Movement included in your standard homeowner insurance coverage?
    1. Yes
    2. It Depends
    3. No

 

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Last modified: Mon Jan 27 10:57:04 MST 2014