Chapter 8: Other Personal Lines
Insurance Exam Questions and
Answers 100% PASS
Boats of what length require a Watercraft Policy for coverage? 1. Longer than 26 feet 2. 24
feet or longer 3. Longer than 28 feet 4. 36 feet or longer—ANSWER---1. Longer than 26 feet
Karen stores money in a shoebox under her bed. $8,000 in cash was destroyed when her
home was flooded by an overflow of inland waters. Would her claim for $8,000 be paid by
her flood insurance? 1. Yes, because an overflow of inland waters is covered under flood
insurance. 2. Yes, because it would fall under the contents coverage of her flood insurance
policy. 3. No, because paper money is not covered property under flood insurance. 4. No,
because damage caused by an overflow of inland waters is not covered under flood
insurance.—ANSWER---3. No, because paper money is not covered property under flood
insurance
Brooke carries a $1,000,000 umbrella policy, and a $250,000 auto accident liability insurance
limit. She is the cause of an auto accident that kills a family of four. The family of the
deceased files a successful claim against her for $400,000. How much of this amount would
her umbrella policy pay? 1. $300,000 2. $400,000 3. $250,000 4. $150,000—ANSWER---4.
$150,000
Insurance Exam Questions and
Answers 100% PASS
Boats of what length require a Watercraft Policy for coverage? 1. Longer than 26 feet 2. 24
feet or longer 3. Longer than 28 feet 4. 36 feet or longer—ANSWER---1. Longer than 26 feet
Karen stores money in a shoebox under her bed. $8,000 in cash was destroyed when her
home was flooded by an overflow of inland waters. Would her claim for $8,000 be paid by
her flood insurance? 1. Yes, because an overflow of inland waters is covered under flood
insurance. 2. Yes, because it would fall under the contents coverage of her flood insurance
policy. 3. No, because paper money is not covered property under flood insurance. 4. No,
because damage caused by an overflow of inland waters is not covered under flood
insurance.—ANSWER---3. No, because paper money is not covered property under flood
insurance
Brooke carries a $1,000,000 umbrella policy, and a $250,000 auto accident liability insurance
limit. She is the cause of an auto accident that kills a family of four. The family of the
deceased files a successful claim against her for $400,000. How much of this amount would
her umbrella policy pay? 1. $300,000 2. $400,000 3. $250,000 4. $150,000—ANSWER---4.
$150,000
