100+ Free CISR Personal Residential Practice Questions

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Which Homeowners policy form provides open-perils coverage on both the dwelling (Coverage A) and personal property (Coverage C)?

HO-2

HO-3

HO-5

HO-8

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2026 Statistics

Key Facts: CISR Personal Residential Exam

70%

Passing Score

National Alliance

100

Practice Questions

OpenExamPrep

$295

Course Fee

National Alliance

5 of 9

Courses for CISR

National Alliance

30%

HO Forms Weight

Course outline

1 day

Course Length

National Alliance

CISR Personal Residential Property is a one-day specialty course (~$295) on HO and DP policy forms. The end-of-course exam requires 70% to pass and counts toward the five-course CISR designation.

Sample CISR Personal Residential Practice Questions

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

1Which Homeowners policy form provides open-perils coverage on both the dwelling (Coverage A) and personal property (Coverage C)?

A.HO-2

B.HO-3

C.HO-5

D.HO-8

Explanation: HO-5 (Comprehensive Form) is the only standard ISO Homeowners form that insures both the dwelling and personal property on an open-perils (special) basis. HO-3 covers the dwelling open-perils but personal property only on a named-perils basis.

2In a standard HO-3 policy, what is the default Coverage B (Other Structures) limit expressed as a percentage of Coverage A?

A.5%

B.10%

C.20%

D.30%

Explanation: Coverage B (Other Structures) is provided automatically at 10% of Coverage A on the standard ISO HO-3 form. The amount is additional insurance on top of Coverage A and may be increased by endorsement.

3Coverage C (Personal Property) on a standard HO-3 is typically provided at what percentage of Coverage A?

A.20%

B.30%

C.50%

D.70%

Explanation: On a standard ISO HO-3, Coverage C is automatically set at 50% of Coverage A, although the insured can increase or, in some companies, decrease this percentage by endorsement.

4Coverage D (Loss of Use) on a standard ISO HO-3 form is typically provided at what percentage of Coverage A?

A.10%

B.20%

C.30%

D.50%

Explanation: Coverage D Loss of Use is automatically set at 30% of Coverage A on the ISO HO-3 form. It pays additional living expenses and fair rental value while the residence is uninhabitable due to a covered loss.

5Which Homeowners form is specifically designed for owner-occupants of older homes whose replacement cost exceeds market value?

A.HO-2

B.HO-3

C.HO-6

D.HO-8

Explanation: HO-8 is the modified Homeowners form for older homes where the cost to replace exceeds market value. It uses ACV/repair-cost settlement and named-perils coverage with a reduced peril list compared with HO-2.

6Which form is designed for unit-owners of a condominium?

A.HO-3

B.HO-4

C.HO-6

D.HO-8

Explanation: HO-6 is the Unit-Owners form designed for condominium owners. It typically provides named-perils coverage, building items coverage (Coverage A) at a relatively low default, and personal property and liability protections.

7Under an unendorsed ISO HO-3, what is the special limit of liability for theft of jewelry, watches, and furs?

A.$1,000

B.$1,500

C.$2,500

D.$5,000

Explanation: The unendorsed ISO HO-3 provides a $1,500 special limit for theft of jewelry, watches, and furs. The HO 04 16 endorsement can be used to increase this limit, and HO 04 61 (scheduled personal property) can schedule individual items.

8What is the special limit of liability under the unendorsed HO-3 for loss by theft of firearms?

A.$1,500

B.$2,500

C.$5,000

D.$10,000

Explanation: The unendorsed ISO HO-3 provides a $2,500 special limit for theft of firearms and related equipment. Higher limits can be obtained through the HO 04 16 endorsement or by scheduling firearms on HO 04 61.

9Under an unendorsed HO-3, the special limit for theft of silverware, goldware, and pewterware is:

A.$1,500

B.$2,500

C.$5,000

D.$10,000

Explanation: The unendorsed ISO HO-3 imposes a $2,500 special theft limit on silverware, goldware, and pewterware. As with jewelry and firearms, this limit can be increased by endorsement.

10Which endorsement increases the unendorsed special limits on jewelry, watches, furs, and other restricted property categories without scheduling individual items?

A.HO 04 16

B.HO 04 61

C.HO 04 90

D.HO 05 24

Explanation: HO 04 16 (Increased Special Limits of Liability) raises the blanket special limits for categories like jewelry, watches, furs, firearms, and silverware without scheduling specific items. It does not provide open-perils coverage, only higher named-peril limits.

About the CISR Personal Residential Exam

CISR Personal Residential Property is one of nine CISR specialty courses from the National Alliance, covering Homeowners (HO-2/HO-3/HO-5/HO-6/HO-8) and Dwelling Fire (DP-1/DP-2/DP-3) policy forms, Section I property coverages, Section II liability, key endorsements, and producer conduct.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$295 per course (Risk & Insurance Education Alliance)

CISR Personal Residential Exam Content Outline

30%

Homeowners Policy Forms

HO-2 broad form, HO-3 special form, HO-5 comprehensive, HO-6 condo unit-owner, HO-8 modified for older homes — eligibility, perils, and settlement differences

20%

Section I Property Coverages

Coverage A Dwelling, B Other Structures (10% of A), C Personal Property (50% of A), D Loss of Use/ALE (30% of A); replacement cost vs ACV; 80% coinsurance; special limits

15%

Section II Liability Coverages

Coverage E Personal Liability and Coverage F Medical Payments to Others; insureds (named, resident relatives, persons under 21 in care); exclusions; watercraft and animal rules

15%

Dwelling Fire Policies

DP-1 basic (ACV/named perils), DP-2 broad (named perils, replacement cost), DP-3 special (open perils, replacement cost); eligibility differences from HO forms

10%

HO and DP Endorsements

HO 04 16 increased special limits, HO 04 90 personal property replacement cost, HO 05 24 ordinance or law, HO 04 61 scheduled personal property, water backup, identity theft, and inland marine

Causes of Loss

Named perils vs open perils (special form); fire, lightning, windstorm, hail, theft, vandalism; exclusions for flood, earthquake, war, nuclear, intentional acts, and wear and tear

Producer Conduct and Service

Fiduciary duty, premium handling, E&O exposure, cancellation/nonrenewal notice (typically 30 days), free-look periods, documentation, and ethical service standards

How to Pass the CISR Personal Residential 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 Personal Residential Study Tips from Top Performers

1Build a side-by-side matrix of HO-2/HO-3/HO-5/HO-6/HO-8 — perils, valuation, and eligibility

2Memorize Section I default percentages: B=10% of A, C=50% of A, D=30% of A

3Drill Section I special limits ($1,500 jewelry/watches/furs, $2,500 firearms, $2,500 silverware) and how HO 04 16 modifies them

4Compare DP-1 ACV/named perils vs DP-2 broad/RC vs DP-3 open perils/RC and when each applies

5Practice 80% coinsurance loss-settlement calculations until they are automatic

Frequently Asked Questions

What is the CISR Personal Residential Property course?

It is one of nine CISR specialty courses from the National Alliance focused on HO and DP policy forms, residential exposures, and key endorsements. Completing five CISR courses earns the CISR designation.

How is the CISR Personal Residential exam structured?

It is a multiple-choice exam delivered at the end of the one-day course. Candidates must score 70% or higher to pass and earn course credit toward the CISR designation.

What is the difference between HO-3 and HO-5?

HO-3 covers the dwelling on an open-perils (special) basis and personal property on a named-perils basis. HO-5 (comprehensive) covers both the dwelling and personal property on an open-perils basis.

When would a Dwelling Fire policy be used instead of a Homeowners?

Dwelling Fire (DP-1/DP-2/DP-3) is used when the property does not qualify for a Homeowners policy — typically rentals, seasonal/secondary homes, vacant homes, or older properties not occupied by the owner.

What does HO 04 90 do?

HO 04 90 is the Personal Property Replacement Cost endorsement. Without it, Coverage C settles on actual cash value; with the endorsement, eligible personal property is settled at replacement cost subject to policy limits.

How much does the CISR Personal Residential course cost?

Published Alliance pricing is approximately $295 per course, with the end-of-course exam included in the registration fee. State-affiliated chapters sometimes list slightly different prices.