P&C Exam: Homeowners Policy Types HO-1 to HO-8 Guide 2026 (FREE Practice)

Master every homeowners policy type for the Property and Casualty exam in 2026. This video covers HO-1 through HO-8, the critical difference between named perils and open perils coverage, all six coverage sections, and the exam strategies you need to nail 15-20 questions worth 10-13% of your total score. Homeowners policies are the single most heavily tested P&C topic. 📋 P&C HOMEOWNERS EXAM QUICK FACTS: • 15-20 questions on homeowners policies (~10-13% of exam) • 8 policy forms: HO-1 through HO-8 • Named perils vs. open perils is the key distinction • HO-3 (Special Form) is the most common and most tested • Burden of proof shifts between insured and insurer • ~150 total questions on the P&C exam • Concepts overlap with dwelling, commercial, and liability sections 🎯 FREE P&C Practice Questions: https://open-exam-prep.com/exams/property-casualty-national 🤖 FREE AI Study Assistant: https://open-exam-prep.com 📚 RECOMMENDED STUDY BOOKS: • P&C Exam Study Guide 3rd Edition: https://www.amazon.com/dp/1628459182?tag=openexamprep-20 • P&C License Exam Prep 350+ Questions: https://www.amazon.com/dp/B0F8P7ZHBV?tag=openexamprep-20 • P&C Exam Prep 800 Questions + 4 Tests: https://www.amazon.com/dp/B0FH78M6C6?tag=openexamprep-20 ⚠️ AFFILIATE DISCLOSURE: Some links above are affiliate links. As an Amazon Associate, I earn from qualifying purchases at no extra cost to you. #PropertyCasualty #InsuranceExam #HomeownersPolicy #PCExam #2026 #Free #InsuranceLicense #NamedPerils #OpenPerils #HO3 #InsuranceAgent #ExamPrep #PropertyInsurance #InsuranceCareer #PCLicense ⏱️ Timestamps: 0:00 - Introduction 0:08 - Key Facts & Stats 1:43 - Content Breakdown 3:13 - Hardest Topics 4:39 - Study Strategy & Next Steps