Florida Personal Lines Exam Questions 2026: Comprehensive Practice Test with Detailed Rationales

Florida Personal Lines Exam Questions
2026: Comprehensive Practice Test with
Detailed Rationales
1. Under Part A of a Personal Auto Policy, which of the following
losses would be covered?


A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the
insured
D.) Damage to the home the insured owns - answer-B.)
Damage to a neighbor's parked car


2. Which of the following is true regarding the Fine Arts Floater?


A.) Coverage is limited to the United States, Canada, and
Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired items for
90 days
D.) It settles losses on an ACV basis - answer-C.) It provides
automatic coverage on newly acquired items for 90 days


3. All of the following statements are correct about a Homeowners
Policy, except:

, A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income
from an incidental business
C.) A Homeowners Policy will not cover theft of a boat away
from premises
D.) Coverage D of a Homeowners Policy covers additional living
expenses - answer-B.) Coverage D of a Homeowners Policy
includes loss of income from an incidental business


4. Under disability income insurance, a monthly benefit will be
________ of the insured's monthly income.


A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - answer-B.) 66 2/3%


5. All of the following items of property are considered property not
covered under Coverage C of a Homeowners policy, except:


A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - answer-B.) Personal
property of a guest

,6. Which of the following is NOT a purpose of licensing?


A.) For the applicant to be familiar with the Florida insurance
laws
B.) To authorize and enable the licensee to actively and in good
faith engage in the insurance business as an agent
C.) To facilitate the public supervision of such activities in the
public interest
D.) To authorize the agent to insure risks - answer-D.) To
authorize the agent to insure risks


7. Liability coverage provided by a Personal Auto policy would cover
which of the following damages?


A.) Damage to property being transported by the insured in a
covered auto
B.) Damage to a private garage rented to the insured, caused
by the insured's child driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is in the
care of the insured
D.) Damage to a storefront caused by a valet driver operating a
covered auto - answer-B.) Damage to a private garage
rented to the insured, caused by the insured's child driving
a covered auto


8. Which policy provision omits certain risks from coverage?

, A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations - answer-C.) Exclusions


9. When an underlying policy does not cover a particular loss, the
insured's Umbrella Liability policy will drop down and cover the
entire loss, after payment by the insured of a:


A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission - answer-B.) Self-insured retention


10. Liability coverage may be provided by a Homeowners policy
for the insured's use of which of the following watercraft?


A.) 20-foot sailing boat
B.) Private yacht owned by the insured
C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser - answer-A.) 20-foot sailing boat


11. An insured owns a home with a replacement cost of
$300,000 and a market value of $250,000. What is the most a
valued policy will pay in the event of a total loss without a
deductible?