Florida Insurance Claims Adjuster License Practice Exam

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Which of the following is not eligible for a homeowners policy?

  1. Tom who owns the house he rents to his neighbor

  2. Joe who lives in a garage apartment

  3. A husband and wife who own a vacation home in Georgia

  4. Betty who rents a condominium unit

The correct answer is: Tom who owns the house he rents to his neighbor

Homeowners policies are typically designed to provide coverage for individuals who own and live in the property. Option A describes a situation where Tom owns the house but does not live in it, making him ineligible for a homeowners policy. Options B, C, and D all describe individuals who own and live in their respective properties and are therefore eligible for a homeowners policy.

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