Exam (elaborations)
2-20 Florida General Lines Agent Questions with Solutions 2024
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2-20 Florida General Lines Agent
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2-20 Florida General Lines AgentTypes of homeowner's policies - answerHO-1
HO-2
HO-3
HO-4
HO-5
HO-6
HO-8
HO-1- Basic Form - answer-Most basic
-Named perils only
-Not named, not covered
HO-1- Covered Perils - answer-Fire or smoke
-Explosions
-Lightning, hail and windstorms
-Theft
-Vandalism
-Damage from vehicles
-Damage from aircraft
-Riots and civil commotion
-Volcanic eruption.
HO-2 Broad Form - answer-Covers more than HO-1 Basic
-Covers structure and personal contents
-Some liability coverage
HO-2 Covered Perils - answer-All in HO-1
-Accidental water or steam
-falling objects,
-Freezing of household systems
-Electrical current,
-Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other
household systems
-Weight of ice, snow, or sleet.
HO-3 Special Form - answer- Open peril policy
- Covers all perils not specifically excluded
- Not open peril on personal property (ACV)
HO-3 Covered Perils - answer- All perils not specifically excluded
- Structure
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