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Free New Hampshire Personal Lines Practice Exam Online

Official exam: Personal Lines Insurance Producer License (NH)

Take a free New Hampshire Personal Lines practice exam online: a full 104-question paper with every answer explained, no sign-up, scored by topic. The full 104-question bank and the timed simulator are $14.99 for 30 days.

First published: September 5, 2026Bank updated: September 5, 2026Published by CertQuestUSA · review process
TL;DR

Personal Lines Insurance Producer License (NH): a 104-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 104 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily PSI Personal Lines Producer Content Outline (80%) and NH RSA (5%) of this exam's citations.

Take a full practice test free. 104 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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Want the whole bank for Personal Lines Insurance Producer License (NH)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
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3
full papers, no repeats
104
questions per paper
104
questions in the bank
What this exam covers
5 real sample questions
Coverage for earth movement, such as earthquakes, is typically:</br>
A. Automatically included in every homeowners policy
B. Excluded under standard homeowners forms unless added by endorsement or separate policy
C. Only available through the federal government
D. Mandatory in all 50 states
Show answer and reasoning

Correct answer: B. Excluded under standard homeowners forms unless added by endorsement or separate policy

Correct. Earthquake coverage is typically excluded from standard homeowners policies and must be added by endorsement or purchased separately.

  • A: Earthquake coverage is generally excluded, not automatically included, in standard homeowners forms.
  • C: Earthquake coverage is offered by private insurers and specialized programs, not solely the federal government.
  • D: Earthquake coverage is not mandated nationwide; it is optional coverage purchased where risk warrants it.
Source: PSI Personal Lines Producer Content Outline, Types of Property Policies (Others)
Which homeowners policy form is generally used to insure a tenant's personal property, without covering the dwelling structure itself?
A. HO-3
B. HO-4 (renters/tenants form)
C. HO-6
D. HO-8
Show answer and reasoning

Correct answer: B. HO-4 (renters/tenants form)

Correct. HO-4 is the tenant's/renter's form, covering personal property and liability, not the building structure.

  • A: HO-3 is the special form covering an owner-occupied dwelling on an open-perils basis, not a renter's contents-only form.
  • C: HO-6 is the condominium unit-owner's form, covering the unit interior and contents, a different scenario.
  • D: HO-8 is the older/modified coverage form for older homes, insuring the dwelling on an ACV basis, not a tenant's contents-only form.
Source: PSI Personal Lines Producer Content Outline, Types of Property Policies
Which homeowners form provides the broadest 'open perils' (all-risk) coverage on the dwelling itself?
A. HO-2
B. HO-3
C. HO-4
D. HO-8
Show answer and reasoning

Correct answer: B. HO-3

Correct. HO-3, the special form, provides open-perils coverage on the dwelling (Coverage A) and named-peril coverage on personal property (Coverage C).

  • A: HO-2 provides broad named-peril coverage on the dwelling, not open-perils coverage.
  • C: HO-4 is the renter's form and does not cover a dwelling structure at all.
  • D: HO-8 provides limited, named-peril, actual-cash-value coverage suited to older homes, not open-perils dwelling coverage.
Source: PSI Personal Lines Producer Content Outline, Types of Property Policies
A condominium unit-owner's policy that covers personal property, unit improvements, and liability, while the association's master policy covers the building's common structure, is:</br>
A. HO-3
B. HO-4
C. HO-6
D. HO-8
Show answer and reasoning

Correct answer: C. HO-6

Correct. HO-6 is the condominium unit-owner's form, covering the unit's interior, improvements, contents, and liability.

  • A: HO-3 is designed for a single-family owner-occupied dwelling, not a condo unit relying on a master association policy.
  • B: HO-4 is the renter's form, not tailored to condo unit ownership and improvements.
  • D: HO-8 is the older-home modified coverage dwelling form, unrelated to condominium ownership.
Source: PSI Personal Lines Producer Content Outline, Types of Property Policies
A basic dwelling fire policy providing named-peril coverage on an actual cash value basis for a non-owner-occupied rental property is typically written on which form?</br>
A. DP-1
B. DP-3
C. HO-3
D. HO-6
Show answer and reasoning

Correct answer: A. DP-1

Correct. DP-1 is the basic dwelling form, providing limited named-peril coverage, commonly on an ACV basis, often used for rental dwellings.

  • B: DP-3 is the special dwelling form, providing broader open-perils coverage on the dwelling, a step up from DP-1.
  • C: HO-3 is a homeowners form for owner-occupied residences, not the basic dwelling-fire policy structure described.
  • D: HO-6 is the condominium unit-owner's form, unrelated to a basic rental dwelling fire policy.
Source: PSI Personal Lines Producer Content Outline, Types of Property Policies (Dwelling)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

Where can I take a free New Hampshire Personal Lines practice exam online?
Right here. CertQuestUSA's free New Hampshire Personal Lines practice exam online is a full 104-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 104-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (NH) practice test?
104 questions total, split into 3 full papers of 104 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer License (NH) test cover?
6 domains, with the heaviest weight on P&C Insurance Terms & Related Concepts (31%), P&C Policy Provisions & Contract Law (27%), and Types of Casualty Policies (15%).
Where do CertQuestUSA's Personal Lines Insurance Producer License (NH) questions come from?
Primarily PSI Personal Lines Producer Content Outline (80%) and NH RSA (5%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Personal Lines Insurance Producer License (NH) practice test?
Yes -- one full 104-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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