Personal Lines Exam Questions And 100% Correct
Answers Latest Update 2025
Since Kenny and Laura's new home is mortgaged, what would need to appear on the
declarations page? - Answer C The mortgagee's name and address
Which section of a homeowners insurance policy serves to identify and personalize the
contract? - Answer Declarations
The following are responsibilities of the insurer that would be located in the conditions
of a homeowner's property policy except - Answer notify the insured in the case of a
financial hardship
What is the basic limit under coverage F medical payments to others on in HO policy? -
Answer A $500 Per person
B $1,000 Per person
C $5,000 Per person******************
D $10,000 Per person
Nestor's living room flooded due to a burst pipe. Nestor's has a homeowners policy that
covers personal property. Which of the following would not be covered under the
contents provisions of Nester's policy? A) Damages resulting from the interruption of
utilities B) Damage to the building while being repaired C) Theft of backup disks stored
off the premises D) Damage done to the floors and walls A) Accrued interest Which
interest is awarded to an insured by a court for damages under the part a liability
coverage of a personal auto policy? A) Accrued interest B) Court judgments against the
insured C) Legal interest D) Underinsured motorist interest
, B savings interest
C prejudgment interest***************
D deffered interest
BART lives near a nuclear power plant. There is a terrible accident, and a reactor
explodes, causing a great deal of damage to surrounding homes including parts.
Regarding medical coverage is provided by section 2, coverages E and F, which of the
following is true? - Answer A this incident would be covered for 100% of the medical
cost
B this incident would not be covered****************
C this incident not be covered up to $20,000
D this incident would be covered up to $50,000
Which of the following is a covered peril under a homeowners policy if it is caused The
collapse of a building? - Answer A Hidden Decay**************
B shrinking of clay bases
C settling of the foundation
D cracking of exterior walls
Which of the following parts of a policy is preceded by a statement that describes what
an insurance company will do in return for paying premiums as set forth in the policy?
-Answer agreement
Answers Latest Update 2025
Since Kenny and Laura's new home is mortgaged, what would need to appear on the
declarations page? - Answer C The mortgagee's name and address
Which section of a homeowners insurance policy serves to identify and personalize the
contract? - Answer Declarations
The following are responsibilities of the insurer that would be located in the conditions
of a homeowner's property policy except - Answer notify the insured in the case of a
financial hardship
What is the basic limit under coverage F medical payments to others on in HO policy? -
Answer A $500 Per person
B $1,000 Per person
C $5,000 Per person******************
D $10,000 Per person
Nestor's living room flooded due to a burst pipe. Nestor's has a homeowners policy that
covers personal property. Which of the following would not be covered under the
contents provisions of Nester's policy? A) Damages resulting from the interruption of
utilities B) Damage to the building while being repaired C) Theft of backup disks stored
off the premises D) Damage done to the floors and walls A) Accrued interest Which
interest is awarded to an insured by a court for damages under the part a liability
coverage of a personal auto policy? A) Accrued interest B) Court judgments against the
insured C) Legal interest D) Underinsured motorist interest
, B savings interest
C prejudgment interest***************
D deffered interest
BART lives near a nuclear power plant. There is a terrible accident, and a reactor
explodes, causing a great deal of damage to surrounding homes including parts.
Regarding medical coverage is provided by section 2, coverages E and F, which of the
following is true? - Answer A this incident would be covered for 100% of the medical
cost
B this incident would not be covered****************
C this incident not be covered up to $20,000
D this incident would be covered up to $50,000
Which of the following is a covered peril under a homeowners policy if it is caused The
collapse of a building? - Answer A Hidden Decay**************
B shrinking of clay bases
C settling of the foundation
D cracking of exterior walls
Which of the following parts of a policy is preceded by a statement that describes what
an insurance company will do in return for paying premiums as set forth in the policy?
-Answer agreement
