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Which ISO endorsement is most commonly used to schedule jewelry, fine arts, and silverware on a Homeowners policy?

HO 04 90 Personal Property Replacement Cost

HO 04 61 Scheduled Personal Property

HO 04 55 Identity Theft Expense

HO 04 16 Premises Alarm Credit

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2026 Statistics

Key Facts: CISR Other Personal Exam

100

Practice Questions

OpenExamPrep CISR-OP bank

70%

Passing Score

Risk & Insurance Education Alliance

$295

Course Fee

National Alliance pricing

$250K / $100K

NFIP SFIP Residential Max

FEMA NFIP Dwelling Form

$30K

ICC Coverage Cap

NFIP Increased Cost of Compliance

30 days

NFIP Waiting Period

FEMA NFIP rules

CISR Other Personal Lines Solutions is a one-day specialty course requiring 70% to pass. It teaches HO 04 61 scheduled property, personal umbrella underlying limits, boatowners and yacht forms, NFIP $250K/$100K SFIP limits, earthquake endorsements, and the HO 04 55 identity theft endorsement.

Sample CISR Other Personal Practice Questions

Try these sample questions to test your CISR Other Personal exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which ISO endorsement is most commonly used to schedule jewelry, fine arts, and silverware on a Homeowners policy?

A.HO 04 90 Personal Property Replacement Cost

B.HO 04 61 Scheduled Personal Property

C.HO 04 55 Identity Theft Expense

D.HO 04 16 Premises Alarm Credit

Explanation: HO 04 61 (Scheduled Personal Property) is the standard ISO endorsement used to schedule high-value categories such as jewelry, furs, silverware, fine arts, cameras, and musical instruments on the Homeowners policy. It provides agreed-value, broader (often open) perils coverage and removes the inside-limits caps in Coverage C.

2On the HO 04 61 Scheduled Personal Property endorsement, what valuation basis is typically used to settle a covered loss to a scheduled item?

A.Actual cash value

B.Replacement cost subject to depreciation

C.Agreed value (the amount scheduled)

D.Stated amount minus a coinsurance penalty

Explanation: Items scheduled on the HO 04 61 are written on an agreed-value basis. The amount shown on the schedule is what the insurer agrees to pay (subject to actual loss for fine arts pair-and-set rules). This is one of the main reasons clients schedule valuables — to lock in the amount without depreciation arguments.

3Which item class on the HO 04 61 generally provides open-perils coverage worldwide for theft, mysterious disappearance, and breakage?

A.Silverware

B.Golfer's equipment

C.Jewelry

D.Stamps

Explanation: Jewelry scheduled on the HO 04 61 is covered on an open-perils basis worldwide and includes mysterious disappearance. This is broader than unscheduled jewelry, which on the unendorsed HO is capped (commonly $1,500 for theft) and limited to named perils.

4An insured wants to schedule a $12,000 diamond ring on the HO 04 61. What documentation will the insurer typically require?

A.A police report

B.A current appraisal from a qualified jeweler

C.Only the original sales receipt from any year

D.An insurance binder from a prior carrier

Explanation: Insurers typically require a current appraisal from a qualified jeweler for jewelry items above a threshold (commonly $5,000) before scheduling. The appraisal documents the agreed value and supports the rating basis. Many carriers also require updated appraisals every 3-5 years.

5Which of the following classes is NOT one of the typical scheduled categories on the HO 04 61 endorsement?

A.Fine arts

B.Stamp collections

C.Recreational vehicles

D.Musical instruments

Explanation: The HO 04 61 lists nine standard classes including jewelry, furs, silverware, fine arts, cameras, musical instruments, golfer's equipment, stamp collections, and coin collections. Recreational vehicles are not a HO 04 61 class — they belong in an RV policy or personal auto endorsement.

6Under the fine arts class on the HO 04 61, what does the pair-and-set clause allow the insurer to do?

A.Pay the full agreed value of the entire set when one piece is lost

B.Pay the difference in value of the set before and after the loss, or repair to original condition

C.Refuse to pay because partial losses to sets are excluded

D.Pay only the lowest-valued piece in the set

Explanation: On a fine arts pair-and-set loss, the insurer pays the difference between the value of the complete set and the value of the remaining items (or restores the set to its original condition). This prevents the insured from recovering the entire set value when only one piece is lost.

7An insured carries unendorsed HO-3. A burglar steals $4,000 in jewelry. What is the typical maximum the HO-3 will pay?

A.$1,500

B.$2,500

C.$4,000

D.$0 — theft is excluded

Explanation: The unendorsed HO-3 imposes a special limit of liability of about $1,500 for theft of jewelry, watches, and furs. To insure to full value, the insured needs to schedule the jewelry on the HO 04 61 (Scheduled Personal Property) or use a special HO 04 65 class limit increase.

8Which Homeowners endorsement raises the special-limit-of-liability dollar caps without scheduling individual items?

A.HO 04 65 Coverage C Increased Special Limits of Liability

B.HO 04 61 Scheduled Personal Property

C.HO 04 12 Increased Limits on Business Property

D.HO 04 96 No Section II Liability

Explanation: HO 04 65 increases the inside special limits of liability for categories such as jewelry, firearms, silverware, and electronic apparatus, without requiring each item to be scheduled. It is useful when a client has modest amounts above the base limits but does not want to obtain appraisals.

9A client schedules a $25,000 oil painting on the HO 04 61 fine arts class. The painting is destroyed in a fire. How is the loss settled?

A.At ACV of $25,000 minus depreciation

B.At the agreed scheduled amount of $25,000

C.At fair market value at time of loss only

D.At replacement cost up to twice the scheduled amount

Explanation: Scheduled fine arts are written on an agreed-value basis, so the insurer pays the scheduled amount upon a total loss. The client locked in $25,000 by scheduling, which is exactly the point of the endorsement.

10Which of the following statements about the HO 04 61 fine arts class is TRUE?

A.Coverage applies only at the residence premises

B.Breakage of fragile articles is excluded unless caused by a specified peril

C.Loss while on exhibition at a recognized public exhibition is excluded

D.Newly acquired fine arts have no automatic coverage

Explanation: The fine arts class typically excludes breakage of fragile articles such as glassware, porcelain, statuary, and sculptures unless the breakage is caused by a specified peril (fire, lightning, theft, vandalism, etc.). Newly acquired fine arts often have automatic coverage for a limited time and percentage. Coverage is generally worldwide.

About the CISR Other Personal Exam

CISR Other Personal Lines Solutions is one of nine CISR specialty courses. It covers personal articles floater and scheduled personal property, personal umbrella, watercraft and yacht, recreational vehicles, mobile home, flood (NFIP and private), earthquake, identity theft, and producer conduct.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$295 per course (Risk & Insurance Education Alliance)

CISR Other Personal Exam Content Outline

20%

Personal Articles Floater & Scheduled Personal Property

HO 04 61 scheduled personal property, agreed value, broader open perils, jewelry/fine arts/silverware/cameras/musical instruments classes, appraisal at >$5K, pair-and-set

20%

Personal Umbrella & Excess Liability

PUP underlying $300K HO and $250-500K auto, $100K-$300K watercraft, drop-down vs true excess, SIR, exclusions for intentional acts, business pursuits, and professional services

15%

Watercraft & Yacht (Boatowners)

Boatowners forms, named perils vs all-risks, yacht hull, P&I, longshore and Jones Act, HO outboard under 25 HP excluded from broader watercraft cover

10%

Recreational Vehicles & Mobile Home

RV policies blending HO and auto coverages, motorhome vs travel trailer, Mobile Homeowners (ML/HO-7) form, dwelling and HO endorsements for manufactured housing

15%

Flood Insurance (NFIP & Private Flood)

SFIP residential $250K building / $100K contents, General Property $500K/$500K, RCBAP for condos, ICC up to $30K, 30-day waiting period, Substantial Damage 50% rule, BFE, SFHA Zones A/AE/V/VE

10%

Earthquake & Specialty Risks

Earthquake exclusion in HO without endorsement, deductibles by % of Coverage A, separate earthquake policies, kidnap and ransom, special-event coverage

Identity Theft & Cyber for Individuals

HO 04 55 identity theft endorsement, expense reimbursement, lost wages, attorney fees, personal cyber endorsements for ransomware and online fraud

Producer Conduct

Coverage explanation, documentation, E&O prevention, fiduciary duty, disclosure of optional flood and umbrella coverage, fair dealing

How to Pass the CISR Other Personal Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $295 per course

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CISR Other Personal Study Tips from Top Performers

1Memorize the HO 04 61 classes and the items typically requiring an appraisal over $5,000

2Drill personal umbrella underlying limit requirements for HO, auto, and watercraft side by side

3Compare boatowners named perils vs all-risks vs yacht hull plus P&I and Jones Act exposures

4Know the NFIP SFIP limits, 30-day waiting period, ICC up to $30,000, and Substantial Damage rule

5Practice when an HO needs an earthquake endorsement, identity theft endorsement, or scheduled property

Frequently Asked Questions

How many questions are on the CISR Other Personal Lines exam?

The CISR Other Personal Lines Solutions course exam typically uses 50 multiple-choice questions delivered after the one-day course; 70% is required to pass.

What does the HO 04 61 endorsement do?

It schedules personal property such as jewelry, fine arts, and cameras on an agreed-value, broader-perils basis, often with no deductible and worldwide coverage for jewelry.

What underlying limits does a personal umbrella usually require?

Common Alliance examples are $300,000 on a Homeowners policy, $250,000/$500,000 or 300 CSL on a Personal Auto Policy, and $100,000 to $300,000 on watercraft.

What are the NFIP Standard Flood Insurance Policy maximum limits for residential property?

The NFIP Dwelling Form provides up to $250,000 building and $100,000 contents for a residential 1-4 family structure; condo associations use the RCBAP.

Does a Homeowners policy cover earthquake?

No. Earthquake is excluded under the Homeowners policy and must be added by endorsement or written as a separate earthquake policy, usually with a percent-of-Coverage-A deductible.

How does the HO 04 55 identity theft endorsement help a client?

It reimburses expenses tied to restoring identity, including notary and attorney fees, lost wages, and re-filing loan applications, typically up to a $15,000 to $25,000 limit.