FLORIDA 2-20 STATE EXAM PRACTICE
ACTUAL EXAM PAPER 2026 QUESTIONS
WITH ANSWERS GRADED A+
⩥ D. After 90 days in Florida. Answer: Mr. Smith lives in New Jersey
but visits Florida each year. When does he come under the Florida No-
Fault system, in any 365-day period?
Select one:
A. After 60 days in Florida
B. After 30 days in Florida
C. After 14 days in Florida
D. After 90 days in Florida
⩥ A. A flat amount per day for hospital room and board. Answer: A
Hospital Indemnity Policy covers which of the following expenses?
Select one:
A. A flat amount per day for hospital room and board
B. Nursing care in the insured's home
C. Medical supplies
D. Surgical fees incurred in the hospital
⩥ D. $400. Answer: Under the Garagekeepers coverage, Section III of
the Garage policy, the insured suffers a single vandalism loss to nine (9)
,vehicles belonging to customers. Damage is $100 per vehicle. How
much will the policy pay?
Select one:
A. $500
B. $900
C. Nothing
D. $400
⩥ A. No coverage. Answer: Bob, an accountant of XYZ, drives his own
car to the bank to make a deposit for XYZ. Bob has an at-fault accident.
If XYZ carries $1,000,000 Bodily Injury/Property Damage coverage
with a Symbol 2 for covered autos, and Bob carries no insurance, how
much coverage is applicable for XYZ?
Select one:
A. No coverage
B. $10,000/$20,000 Bodily Injury and $10,000 Property Damage
C. $1,000,000
D. $500,000
⩥ A. All of these answers are correct. Answer: Unless properly licensed
an general lines agent cannot
Select one:
A. All of these answers are correct
,B. Receive any money on account for any insurer or receive money to be
transmitted to an insurer for a policy, renewal, endorsement or certificate
C. Solicit insurance or procure applications for insurance
D. Directly or indirectly represent himself or herself to be an agent or
receive, deliver or forward any insurance policy within the state
⩥ D. Vandalism. Answer: At the time of a loss, it is found that the
covered building had been vacant for the period of 75 consecutive days
immediately preceding the loss. Which of the following perils would not
be covered?
Select one:
A. All of these answers are correct
B. Windstorm
C. Fire
D. Vandalism
⩥ A. The property of a guest anywhere in the world. Answer:
Homeowner's Coverage C - Personal Property covers each of the
following situations except?
Select one:
A. The property of a guest anywhere in the world
B. The insured's personal property while in Mexico at a secondary
dwelling
C. A resident employee's contents at the insured's dwelling
, D. The property of others while located at the insured's dwelling at the
insured's request
⩥ D. Property owned by another in the care of the insured was damaged
in an accident to an insured object, resulting in a claim by the owner of
the property. Answer: Under a basic Boiler and Machinery Form, with
no special endorsements, which of the following losses would be
covered?
Select one:
A. The insured suffers loss of income following an accident to a covered
object
B. During an accident involving a covered object, a visitor on the
insured's premises suffers injuries and sued the insured
C. During testing, after some repairs, a boiler had a sudden breakdown
D. Property owned by another in the care of the insured was damaged in
an accident to an insured object, resulting in a claim by the owner of the
property
⩥ C. 90 days. Answer: The Homeowner's, HO3 policy will provide
coverage for a student away at college as long as the student's premises
was not unoccupied more than how many days prior to the loss?
Select one:
A. 60 days
B. 30 days
C. 90 days
ACTUAL EXAM PAPER 2026 QUESTIONS
WITH ANSWERS GRADED A+
⩥ D. After 90 days in Florida. Answer: Mr. Smith lives in New Jersey
but visits Florida each year. When does he come under the Florida No-
Fault system, in any 365-day period?
Select one:
A. After 60 days in Florida
B. After 30 days in Florida
C. After 14 days in Florida
D. After 90 days in Florida
⩥ A. A flat amount per day for hospital room and board. Answer: A
Hospital Indemnity Policy covers which of the following expenses?
Select one:
A. A flat amount per day for hospital room and board
B. Nursing care in the insured's home
C. Medical supplies
D. Surgical fees incurred in the hospital
⩥ D. $400. Answer: Under the Garagekeepers coverage, Section III of
the Garage policy, the insured suffers a single vandalism loss to nine (9)
,vehicles belonging to customers. Damage is $100 per vehicle. How
much will the policy pay?
Select one:
A. $500
B. $900
C. Nothing
D. $400
⩥ A. No coverage. Answer: Bob, an accountant of XYZ, drives his own
car to the bank to make a deposit for XYZ. Bob has an at-fault accident.
If XYZ carries $1,000,000 Bodily Injury/Property Damage coverage
with a Symbol 2 for covered autos, and Bob carries no insurance, how
much coverage is applicable for XYZ?
Select one:
A. No coverage
B. $10,000/$20,000 Bodily Injury and $10,000 Property Damage
C. $1,000,000
D. $500,000
⩥ A. All of these answers are correct. Answer: Unless properly licensed
an general lines agent cannot
Select one:
A. All of these answers are correct
,B. Receive any money on account for any insurer or receive money to be
transmitted to an insurer for a policy, renewal, endorsement or certificate
C. Solicit insurance or procure applications for insurance
D. Directly or indirectly represent himself or herself to be an agent or
receive, deliver or forward any insurance policy within the state
⩥ D. Vandalism. Answer: At the time of a loss, it is found that the
covered building had been vacant for the period of 75 consecutive days
immediately preceding the loss. Which of the following perils would not
be covered?
Select one:
A. All of these answers are correct
B. Windstorm
C. Fire
D. Vandalism
⩥ A. The property of a guest anywhere in the world. Answer:
Homeowner's Coverage C - Personal Property covers each of the
following situations except?
Select one:
A. The property of a guest anywhere in the world
B. The insured's personal property while in Mexico at a secondary
dwelling
C. A resident employee's contents at the insured's dwelling
, D. The property of others while located at the insured's dwelling at the
insured's request
⩥ D. Property owned by another in the care of the insured was damaged
in an accident to an insured object, resulting in a claim by the owner of
the property. Answer: Under a basic Boiler and Machinery Form, with
no special endorsements, which of the following losses would be
covered?
Select one:
A. The insured suffers loss of income following an accident to a covered
object
B. During an accident involving a covered object, a visitor on the
insured's premises suffers injuries and sued the insured
C. During testing, after some repairs, a boiler had a sudden breakdown
D. Property owned by another in the care of the insured was damaged in
an accident to an insured object, resulting in a claim by the owner of the
property
⩥ C. 90 days. Answer: The Homeowner's, HO3 policy will provide
coverage for a student away at college as long as the student's premises
was not unoccupied more than how many days prior to the loss?
Select one:
A. 60 days
B. 30 days
C. 90 days
