10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
All of the following are duties of the 'Office of Insurance Regulation' EXCEPT:
Make rating rules
When the insurer pays the proportion, which its limit bears to all limits this is called:
Pro rata
A condition that states that if an insurer adopts a revision which would broaden coverage
without additional premium, the insured would receive the benefit called:
Liberalization
A provision that provides that the insurance apply separately to each insured as if other
insureds did not exist is called:
Severability
A policy condition that is based on the insured's information on the application is called a:
Warranty
An untrue statement made by the insured in an application is called:
Misrepresentation
The failure of the insured to reveal a relevant fact in applying for insurance is called:
Concealment
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
Part B- Medical Payments covers all of the following EXCEPT:
Using your motorcycle
Ashlee has a PAP with Part A limits of 100,000. Ashlee is involved in an accident and is found
to be negligent. The accident caused $120,000 and $25,000 in defense costs. What would
Ashlee's PAP pay?
$125,000
To be eligible as "your covered auto" under the PAP, all of the following are covered EXCEPT:
Motorcycle
All of the following vehicles are eligible for the PAP EXCEPT:
Leased vehicle for less than 5 months
The Florida Financial Responsibility Law is triggered by all of the following EXCEPT:
Accident involves no bodily injury
Prejudgement interest awarded against the insured in a liability suit is also considered:
Damages
Supplementary Payments under Part A- liability are in addition to the:
Limits
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
The deductible amount for glass breakage is:
$0
All of the following are 'Mechanical Breakdown' exclusions EXCEPT:
Glass Breakage
Which country is not in the 'Mechanical Breakdown' territory:
Mexico
Towing and Labor endorsement comes with the following limits EXCEPT:
$250
Which PAP endorsement covers two or more relatives or individuals residing together?
Joint Ownership Coverage
What is not considered public or livery conveyance?
Car pool
All of the following are covered under Homeowners Section II Liability EXCEPT:
Boats powered by outboard motor 50 HP owned by insured
All of the following are Additional coverage's under Homeowners Section II-Liability EXCEPT:
Damage to Property of Others - up to $5,000
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
If an insured has an HO-3 policy, they will receive replacement cost coverage on a loss to
the dwelling if:
At the time of loss, the limit is 80% or more of the replacement value of the dwelling
What is the limit of coverage D (loss of use) on an HO-3?
30% of Coverage A
The association's gazebo fire damage results in an $800 assessment fee. The HO-3 will pay
how much of the assessment?
$800
Lightning strikes a tree on the insured's location and falls on his residence. How will the HO-3
respond?
$500 for any one tree, shrub or plant
All of the following statements are true regarding the 'DP' difference EXCEPT:
DP-3 covers building for "all-risks"
The HO-8 may be broadened to include off-premises theft losses to a limit of:
$1,000
For homeowners rating, a key factor is established and multiplied by a:
Key factor
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
All of the following are duties of the 'Office of Insurance Regulation' EXCEPT:
Make rating rules
When the insurer pays the proportion, which its limit bears to all limits this is called:
Pro rata
A condition that states that if an insurer adopts a revision which would broaden coverage
without additional premium, the insured would receive the benefit called:
Liberalization
A provision that provides that the insurance apply separately to each insured as if other
insureds did not exist is called:
Severability
A policy condition that is based on the insured's information on the application is called a:
Warranty
An untrue statement made by the insured in an application is called:
Misrepresentation
The failure of the insured to reveal a relevant fact in applying for insurance is called:
Concealment
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
Part B- Medical Payments covers all of the following EXCEPT:
Using your motorcycle
Ashlee has a PAP with Part A limits of 100,000. Ashlee is involved in an accident and is found
to be negligent. The accident caused $120,000 and $25,000 in defense costs. What would
Ashlee's PAP pay?
$125,000
To be eligible as "your covered auto" under the PAP, all of the following are covered EXCEPT:
Motorcycle
All of the following vehicles are eligible for the PAP EXCEPT:
Leased vehicle for less than 5 months
The Florida Financial Responsibility Law is triggered by all of the following EXCEPT:
Accident involves no bodily injury
Prejudgement interest awarded against the insured in a liability suit is also considered:
Damages
Supplementary Payments under Part A- liability are in addition to the:
Limits
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
The deductible amount for glass breakage is:
$0
All of the following are 'Mechanical Breakdown' exclusions EXCEPT:
Glass Breakage
Which country is not in the 'Mechanical Breakdown' territory:
Mexico
Towing and Labor endorsement comes with the following limits EXCEPT:
$250
Which PAP endorsement covers two or more relatives or individuals residing together?
Joint Ownership Coverage
What is not considered public or livery conveyance?
Car pool
All of the following are covered under Homeowners Section II Liability EXCEPT:
Boats powered by outboard motor 50 HP owned by insured
All of the following are Additional coverage's under Homeowners Section II-Liability EXCEPT:
Damage to Property of Others - up to $5,000
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
,10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
If an insured has an HO-3 policy, they will receive replacement cost coverage on a loss to
the dwelling if:
At the time of loss, the limit is 80% or more of the replacement value of the dwelling
What is the limit of coverage D (loss of use) on an HO-3?
30% of Coverage A
The association's gazebo fire damage results in an $800 assessment fee. The HO-3 will pay
how much of the assessment?
$800
Lightning strikes a tree on the insured's location and falls on his residence. How will the HO-3
respond?
$500 for any one tree, shrub or plant
All of the following statements are true regarding the 'DP' difference EXCEPT:
DP-3 covers building for "all-risks"
The HO-8 may be broadened to include off-premises theft losses to a limit of:
$1,000
For homeowners rating, a key factor is established and multiplied by a:
Key factor
10-142-20
tice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
2026-10-142-20
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710/14/2026,
Practice Exam.pdf10/14/2026*&#(*^$&@^*$*U(H$*H*H&$)*&$(&^$&*^^$(&))))))))))))))))))))))))))))________________________________$U&*($710
2:15:04 AM 2:15:0
