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Which of the following would be covered by the broad theft endorsement on a dwelling policy?
A. A camera the insured has with him on vacation
B. A pedigreed show dog
C. Fabric and patterns in a clothing designer's studio at her home
D. An antique car correct answers A. All of these examples except the camera are types of
property specifically excluded from coverage under the broad theft endorsement.
A house insured under a dwelling policy has been vacant for 70 consecutive days. Which of the
following statements is true?
A. Glass breakage as a result of vandalism is covered.
B. Damage to glass building blocks is not covered.
C. Loss by theft is covered.
D. Loss by vandalism and malicious mischief is excluded. correct answers D. After vacancy for
more than 60 consecutive days, vandalism and malicious mischief (VMM) coverage is excluded
under a dwelling policy.
Which of the following other coverages is NOT included in the basic form dwelling policy?
A. Personal property temporarily away from the insured premises
B. Tenant's improvements, alterations, and additions
C. Breakage of glass
D. Removal coverage correct answers C. Breakage of glass is included in the DP-2 and DP-3
only.
Assuming the insurer and the insured agree to the amount payable for a loss covered under a
dwelling policy, how soon after the insurer has received proof of loss must it make payment?
A. 30 days
B. 45 days
C. 60 days
D. 90 days correct answers C. After the insurer receives proof of loss, it has 60 days to pay for
the loss.
Which of the following would be covered under the Broad Form (DP-2) policy's falling object
peril?
A. Damage to the building's awnings
B. Damage to outdoor television antennas if there is no interior damage
C. Exterior pavement and patio damage
D. Interior building damage if the exterior was damaged first correct answers D. In DP-1 and
DP-2 policy forms, loss or damage resulting from falling objects is covered, except for damage
to awnings, fences, outdoor equipment, outdoor radio and television antennas or aerials, masts,
, or towers. Damage to the interior of the building is covered only if the exterior has been
damaged first.
All of the following are perils covered under the broad form dwelling policy EXCEPT
A. Collapse
B. Theft
C. Fire
D. Lightning correct answers B. Theft is not a peril named in the policy.
Vandalism and malicious mischief would be covered if the insured's premises have been vacant
for no more than how many days?
A. 30
B. 60
C. 100
D. 365 correct answers B. Vandalism and malicious mischief will not be covered if the insured's
premises have been vacant for more than 60 days immediately prior to the loss.
Which of the following other coverages is NOT included in the basic form dwelling policy?
A. Personal property temporarily away from the insured premises
B. Tenant's improvements, alterations, and additions
C. Breakage of glass
D. Removal coverage correct answers C. Breakage of glass is included in the DP-2 and DP-3
only.
Assuming the insurer and the insured agree to the amount payable for a loss covered under a
dwelling policy, how soon after the insurer has received proof of loss must it make payment?
A. 30 days
B. 45 days
C. 60 days
D. 90 days correct answers C. After the insurer receives proof of loss, it has 60 days to pay for
the loss.
Which of the following property coverages would provide protection to contents damaged by
fire?
A. Coverage C
B. Coverage D
C. Coverage A
D. Coverage B correct answers A. (Coverage C) Personal Property provides coverage for the
contents of an insured dwelling.
Which of the following would be covered by the broad theft endorsement on a dwelling policy?
A. A camera the insured has with him on vacation
B. A pedigreed show dog
C. Fabric and patterns in a clothing designer's studio at her home
D. An antique car correct answers A. All of these examples except the camera are types of
property specifically excluded from coverage under the broad theft endorsement.
A house insured under a dwelling policy has been vacant for 70 consecutive days. Which of the
following statements is true?
A. Glass breakage as a result of vandalism is covered.
B. Damage to glass building blocks is not covered.
C. Loss by theft is covered.
D. Loss by vandalism and malicious mischief is excluded. correct answers D. After vacancy for
more than 60 consecutive days, vandalism and malicious mischief (VMM) coverage is excluded
under a dwelling policy.
Which of the following other coverages is NOT included in the basic form dwelling policy?
A. Personal property temporarily away from the insured premises
B. Tenant's improvements, alterations, and additions
C. Breakage of glass
D. Removal coverage correct answers C. Breakage of glass is included in the DP-2 and DP-3
only.
Assuming the insurer and the insured agree to the amount payable for a loss covered under a
dwelling policy, how soon after the insurer has received proof of loss must it make payment?
A. 30 days
B. 45 days
C. 60 days
D. 90 days correct answers C. After the insurer receives proof of loss, it has 60 days to pay for
the loss.
Which of the following would be covered under the Broad Form (DP-2) policy's falling object
peril?
A. Damage to the building's awnings
B. Damage to outdoor television antennas if there is no interior damage
C. Exterior pavement and patio damage
D. Interior building damage if the exterior was damaged first correct answers D. In DP-1 and
DP-2 policy forms, loss or damage resulting from falling objects is covered, except for damage
to awnings, fences, outdoor equipment, outdoor radio and television antennas or aerials, masts,
, or towers. Damage to the interior of the building is covered only if the exterior has been
damaged first.
All of the following are perils covered under the broad form dwelling policy EXCEPT
A. Collapse
B. Theft
C. Fire
D. Lightning correct answers B. Theft is not a peril named in the policy.
Vandalism and malicious mischief would be covered if the insured's premises have been vacant
for no more than how many days?
A. 30
B. 60
C. 100
D. 365 correct answers B. Vandalism and malicious mischief will not be covered if the insured's
premises have been vacant for more than 60 days immediately prior to the loss.
Which of the following other coverages is NOT included in the basic form dwelling policy?
A. Personal property temporarily away from the insured premises
B. Tenant's improvements, alterations, and additions
C. Breakage of glass
D. Removal coverage correct answers C. Breakage of glass is included in the DP-2 and DP-3
only.
Assuming the insurer and the insured agree to the amount payable for a loss covered under a
dwelling policy, how soon after the insurer has received proof of loss must it make payment?
A. 30 days
B. 45 days
C. 60 days
D. 90 days correct answers C. After the insurer receives proof of loss, it has 60 days to pay for
the loss.
Which of the following property coverages would provide protection to contents damaged by
fire?
A. Coverage C
B. Coverage D
C. Coverage A
D. Coverage B correct answers A. (Coverage C) Personal Property provides coverage for the
contents of an insured dwelling.
