Homeowners insurance quiz

Eight questions on what homeowners insurance covers, and the gaps that surprise people.

8 questions · about 2 minutes · no signup needed

Question 1 of 8Does a standard homeowners policy cover flood damage?

TrueFalse

Question 2 of 8Does a standard policy cover earthquakes?

TrueFalse

Question 3 of 8Does your lender require homeowners insurance?

TrueFalse

Question 4 of 8What does the deductible mean?

What you pay before insurance pays a claimYour yearly premiumA tax deductionA late fee

Question 5 of 8“Replacement cost” coverage pays…

What it costs to rebuild or replace, without subtracting for ageThe home’s market valueWhat you paidNothing

Question 6 of 8Condo owners usually need which policy?

HO-6 (walls-in coverage)None; the HOA covers everythingRenters insuranceFlood only

Question 7 of 8Does homeowners insurance include liability coverage?

TrueFalse

Question 8 of 8When should you shop for insurance when buying?

After closingBefore you make an offer or soon after, during the contractOnly if the lender reminds youNever

Your answers aren’t saved or sent anywhere except to calculate your score. For education only; it isn’t a credit check or a loan approval.

How it works

Pick an answer and you’ll see right away whether you got it, with a short explanation and a link to learn more. At the end you’ll get your score and can share it.