Florida Personal Lines Exam Actual 2025/2026 Questions And 100% Correct Answers

Florida Personal Lines Exam questions and
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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

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

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

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%

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

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

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

Which policy provision omits certain risks from coverage?

,A.) Conditions

B.) Additional Coverages

C.) Exclusions

D.) Declarations - Answer -C.) Exclusions

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

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

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?



A.) $240,000

B.) $250,000

C.) The policy limit

D.) $300,000 - Answer -C.) The policy limit

Policyholder J hit a deer with their Honda. J has collision coverage with a $250 deductible and other than
collision coverage with a $50 deductible. The damage to J's car was $450. How much will the policy pay?

, A.) $200

B.) Nothing

C.) $400

D.) $150 - Answer -C.) $400

Under all the Dwelling Forms, the dwelling described in the Declarations is covered under:



A.) Coverage A

B.) Coverage B

C.) Coverage E

D.) Coverage C - Answer -A.) Coverage A

If an owner-occupied home is totally destroyed without fraud by a fire, the amount of the loss is based
on:



A.) The coinsurance value

B.) The replacement value

C.) The market value

D.) The policy limit - Answer -D.) The policy limit

A false statement in the application for insurance is called a:



A.) Warranty

B.) Concealment

C.) Representation

D.) Misrepresentation - Answer -D.) Misrepresentation

When a claimant brings a negligence claim against the insured, the court determines that the claimant is
partially responsible for the loss, and the damages they are owed is reduced by the amount of their
responsibility. This describes which defense against negligence?