Which of the following types of home construction will have the lowest insurance rate? (A) Frame (B) Stucco (C) Masonry or Brick (D) If you are unable to occupy your home due to a covered loss, which coverage will pay for the increase in your living expenses during repair? (A) Rental Reimbursment (B) Additional Living Expense Coverage (C) Inflation Adjustment (D) None--usually not coveredIf your toolshed is damaged by a storm, which of your homeowners policy coverages will pay for the damage? (A) Additional Structures (B) Comprehensive (C) Liability (D) Requires special government policyWhile at a friend's home, you break an expensive lamp. Which of your homeowner's policy coverages will pay for it's replacement? (A) Guest Medical (B) Liability (C) Replacement Cost Coverage (D) Requires special government policyIf your home is damaged in a flood, which part of your homeowner's policy will cover the damages? (A) Comprehensive (B) Liability (C) Dwelling (D) Requires special government policyElecting a higher deductible usually (A) Reduces your loss from a covered peril (B) Lowers your insurance premium (C) Increases the amount of household goods covered (D) Raises your insurance premiumWith a deluxe homeowner's policy, typically your home is covered for all risks except (A) Vandalism (B) Wind (C) Hail (D) Those which are specifically excludedWhen insuring your home and contents, the best type of coverage is (A) Actual Cash Value (after depreciation) (B) Full Replacement Cost (C) It depends (D) They are equivalentIf you have large amounts of jewelry, furs, computers, silverware, coin collections, guns, or other specialty items, you can expect full coverage (A) only if you speak with your agent about them (B) automatically (C) for fire but not theft (D) under no circumstances