INSURING PERSONAL RESIDENTIAL PROPERTY
MOCK TEST WITH ANSWER RATIONALES 2026
◉ ACV.
Answer: personal property claim value
◉ replacement, required to carry 80%.
Answer: dwelling (DP-2 and DP-3) claim value
◉ fire, lightning, and internal explosion.
Answer: DP-1: Basic
◉ DP-1 Basic.
Answer: fire, lightning, and internal explosion
◉ only insures fire, lightning, and internal explosion automatically;
EC-WCSHAVVER (additional premium); V&MM-if has EC (additional
premium).
Answer: DP-1
◉ DP-1.
, Answer: only insures fire, lightning, and internal explosion
automatically; EC-WCSHAVVER (additional premium); V&MM-if has
EC (additional premium)
◉ all of DP-1 available perils (fire, lightning, internal explosion,
WCSHAVVER and V&MM), plus BIG AFFECT.
Answer: DP-2 Broad
◉ DP-2 Broad.
Answer: all of DP-1 available perils (fire, lightning, internal
explosion, WCSHAVVER and V&MM), plus BIG AFFECT
◉ burglary damage, ice and snow weight, glass breakage, accidental
discharge or overflow of water, falling objects, freezing pipes,
electrical damage, collapse, tearing asunder.
Answer: what does BIG AFFECT stand for
◉ weight of ice, snow, or falling objects on awnings, fences, patios,
swimming pools, docks, and retaining walls; accidental discharge of
water from continuous leaking; flood; burglary if property vacant
more than 60 consecutive days.
Answer: DP-2 broad exclusions
◉ DP-2 broad exclusions.
MOCK TEST WITH ANSWER RATIONALES 2026
◉ ACV.
Answer: personal property claim value
◉ replacement, required to carry 80%.
Answer: dwelling (DP-2 and DP-3) claim value
◉ fire, lightning, and internal explosion.
Answer: DP-1: Basic
◉ DP-1 Basic.
Answer: fire, lightning, and internal explosion
◉ only insures fire, lightning, and internal explosion automatically;
EC-WCSHAVVER (additional premium); V&MM-if has EC (additional
premium).
Answer: DP-1
◉ DP-1.
, Answer: only insures fire, lightning, and internal explosion
automatically; EC-WCSHAVVER (additional premium); V&MM-if has
EC (additional premium)
◉ all of DP-1 available perils (fire, lightning, internal explosion,
WCSHAVVER and V&MM), plus BIG AFFECT.
Answer: DP-2 Broad
◉ DP-2 Broad.
Answer: all of DP-1 available perils (fire, lightning, internal
explosion, WCSHAVVER and V&MM), plus BIG AFFECT
◉ burglary damage, ice and snow weight, glass breakage, accidental
discharge or overflow of water, falling objects, freezing pipes,
electrical damage, collapse, tearing asunder.
Answer: what does BIG AFFECT stand for
◉ weight of ice, snow, or falling objects on awnings, fences, patios,
swimming pools, docks, and retaining walls; accidental discharge of
water from continuous leaking; flood; burglary if property vacant
more than 60 consecutive days.
Answer: DP-2 broad exclusions
◉ DP-2 broad exclusions.