Ohio Personal Lines Insurance Practice Questions
12 sample questions written from the Ohio exam outline, with answers and explanations. The first two are open. Enter your email to see the other ten.
Ohio's Personal Lines exam (Series 11-43) has 100 questions in 2 hours. You need 70% to pass. How to get the Ohio Personal Lines license →
Try two questions
1. A guest cuts his hand at the Garcias' home, and they pay for bandages and first aid on the spot. Which homeowners Section II additional coverage repays them?
- A. First aid expenses
- B. Damage to property of others
- C. Claim expenses
- D. Loss assessment
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Answer: A. First aid expenses
First aid expenses pays for first aid the insured provides to others for covered bodily injury. It does not pay for first aid to an insured.
2. A homeowner passes the flu to a guest, and the guest sues. Under homeowners Section II, this claim is:
- A. Covered under Coverage F only, regardless of fault
- B. Excluded, because communicable disease is excluded
- C. Covered only if the guest was invited onto the premises
- D. Covered under Coverage E, because the guest suffered bodily injury
Show answer
Answer: B. Excluded, because communicable disease is excluded
Homeowners liability coverage excludes bodily injury from the transmission of a communicable disease by an insured.
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3. The Parks' part-time nanny slips while working in their home. Their state does not require workers' compensation for her. Which homeowners coverage pays her medical bills?
- A. Coverage C, personal property
- B. No homeowners coverage applies to employees
- C. Coverage F, medical payments to others
- D. Coverage D, loss of use
Answer: C. Coverage F, medical payments to others
Coverage F pays medical bills of a residence employee hurt on the job when workers' compensation is not required.
4. Ash from a volcanic eruption damages a homeowner's roof and furniture. Under a standard homeowners policy, this loss is:
- A. Covered only with an earthquake endorsement
- B. Covered only under a flood policy
- C. Excluded, because all earth movement is excluded
- D. Covered, because volcanic eruption is a covered peril
Answer: D. Covered, because volcanic eruption is a covered peril
Homeowners policies exclude earthquake, but volcanic eruption is not excluded and is a named covered peril for personal property.
5. Lou owns a vacant lot across town. A trespasser is hurt there and sues. Under Lou's homeowners Section II, the lot is:
- A. Covered only under a dwelling policy
- B. An insured location, so liability coverage applies
- C. Covered only if he lists it as a second home
- D. Not covered, because it is not his residence
Answer: B. An insured location, so liability coverage applies
Vacant land owned by or rented to an insured, other than farm land, is part of the insured location under the homeowners policy.
6. After a flood, local rules require Sam to raise his badly damaged home above flood level. Which National Flood Insurance Program coverage helps pay for this?
- A. Contents coverage
- B. Loss assessment coverage
- C. Increased cost of compliance coverage
- D. Ordinance or law coverage under his homeowners policy
Answer: C. Increased cost of compliance coverage
Increased cost of compliance coverage helps pay to elevate, move or demolish a flood-damaged building to meet floodplain rules.
7. A neighbor takes Tom's car without asking and causes a crash. Under Tom's personal auto policy liability coverage, the neighbor is:
- A. Covered, but only for property damage to the other car
- B. Covered, because anyone driving the covered auto is an insured
- C. Covered only if Tom reports the car stolen within 24 hours
- D. Not covered, because he had no reasonable belief he was allowed to use the car
Answer: D. Not covered, because he had no reasonable belief he was allowed to use the car
Liability coverage excludes anyone using a vehicle without a reasonable belief that they are entitled to do so.
8. A homeowner buys lumber to build a new porch and stores it in the driveway next to the house. A fire destroys it. Under the homeowners policy, the lumber is covered under:
- A. Coverage A, as construction materials for the dwelling
- B. No coverage, because it is outside the house
- C. Coverage C, personal property
- D. Coverage D, loss of use
Answer: A. Coverage A, as construction materials for the dwelling
Coverage A includes materials and supplies on or next to the residence premises that will be used to build, alter or repair the dwelling.
9. A city orders a homeowner's house torn down because it is unsafe, though it was not damaged by a covered peril. Under the homeowners policy, this loss is:
- A. Covered under Coverage D
- B. Covered under ordinance or law coverage
- C. Excluded under the governmental action exclusion
- D. Covered under Coverage A
Answer: C. Excluded under the governmental action exclusion
Homeowners policies exclude destruction or seizure of property by order of a government authority. One exception covers acts taken to stop a fire from spreading.
10. A nuclear accident causes radiation damage to a home and also starts a fire that burns the garage. Under a homeowners policy, which part is covered?
- A. The radiation damage
- B. Neither, because all nuclear losses are excluded
- C. Both the radiation damage and the fire
- D. The direct loss from the resulting fire
Answer: D. The direct loss from the resulting fire
Homeowners policies exclude nuclear hazard losses, but direct loss by fire that results from a nuclear hazard is covered.
11. A homeowner sells illegal drugs from his house, and a buyer is hurt by them and sues. Under homeowners Section II, this claim is:
- A. Excluded, because injury from controlled substances is excluded
- B. Covered under Coverage F only, regardless of fault
- C. Covered under Coverage E, because the buyer suffered bodily injury
- D. Covered only if the sale happened on the residence premises
Answer: A. Excluded, because injury from controlled substances is excluded
Homeowners liability coverage excludes injury or damage from the use, sale, making or possession of controlled substances, except legally prescribed drugs.
12. A mechanic road-tests Jen's car after repairing it and causes a crash. Under Jen's personal auto policy, liability coverage for the mechanic:
- A. Applies, because he had Jen's permission to drive the car
- B. Does not apply, because people working in the auto business are excluded
- C. Applies only if Jen was riding in the car at the time
- D. Applies, but only to property damage to the other vehicle
Answer: B. Does not apply, because people working in the auto business are excluded
Liability coverage excludes people while they work in the business of selling, repairing, servicing, storing or parking autos. The shop needs its own garage coverage.
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These are original questions written from the published exam outline. They are not taken from the state exam.
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