ARIZONA INSURANCE ADJUSTER
EXAM PREP > 13-36 MODULE 3
PERSONAL LINES (HOME & AUTO)
EXAMNEWEST 2025 ACTUAL EXAM
COMPLETE 220+ QUESTIONS AND
DETAILED ANSWERS (VERIFIED
ANSWERS ALREADY GRADED A+ )
|| BRAND NEW !!!!!
…………………………………………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………………………………………
Standard fire policy "165 line" - = ANSWER =- >> Foundation for all property ins cvg
Named peril
Mono line policy - = ANSWER =- >> Covers only 1 risk (type)
Ex: stamp collection
The Broad Form Endorsement added coverage for: - = ANSWER =- >> Vandalism, theft, fall objects,
weather related stuff, electrical current
Building addition & alterations (HO add'l cvgs) - = ANSWER =- >> ONLY Homeowners 4 & 6
Covers structural alterations made at renter / unit owners expense
Additional coverages in homeowners - = ANSWER =- >> Debris removal, reasonable repairs, trees, fire
dept
loss assessment, property removal, credit card fraud/forgery, collapse & glass
Ordinance or law, landlords furnishings, building additions/alterations, grave markers
,Personal injury endorsement covers - = ANSWER =- >> Slander, invasion of privacy, wrongful entry
Home daycare > HO endorsement - = ANSWER =- >> Prop & liab cvg for daycare at insureds home
Premium based off # of kids
Limited fungi, rot or bacteria cvg > HO endorsement - = ANSWER =- >> Covers cost w/i limits to remove
fungi/rot if caused by covered oeril
Permitted incidental occupancy > HO endorsement - = ANSWER =- >> Allows cvg for other structures &
prop on premises used for biz activities
-Under cvgs BC
Personal prop replacement cost > HO endorsement - = ANSWER =- >> Changes valuation from ACV to RC
for certain items
Business pursuit > HO endorsement - = ANSWER =- >> Liab & med pay cvg for specific biz pursuits of
insured
Watercraft liab > HO endorsement - = ANSWER =- >> Liab cvg for certain watercraft that wouldn't
otherwise be covered
Ex: 25+ horsepower motorized boats AND 26+ foot sailboats
Personal injury > HO endorsement - = ANSWER =- >> Cost of damages & defense from personal injury
unless offense was down w full knowledge/intent
HO detached structure > cvg B - = ANSWER =- >> Add'l to cvg A
% of cvg A limit
Ex: A 100k B 10% total is up to 110k
HO cvg C exclusions (NOT personal prop) - = ANSWER =- >> Pets
Cars, aircraft
, Renter's property or property being rented
Credit cards
Water from heating unit (pool water IS covered)
HO cvg C limits - = ANSWER =- >> Usually 50% of cvg A limit
FULL CVG: property on residence premises
Greater of 10% of C limit OR 1k: property elsewhere than residence premises
HO cvg C - = ANSWER =- >> Real property = buildings, elements attached, building materials/supplies
intended for premise use OR on/next to residential premises
Personal property = all that doesn't qualify for real, covered GLOBALLY
HO cvg C special limits - = ANSWER =- >> Between $1,500 - 2,500 for theft of firearms, precious metals,
jewelry, boats and trailers, biz prop, portable electronics, paper docs (deed, passport, manuscripts,
securities etc)
HO property coverages - = ANSWER =- >> A = dwelling, attached structures & materials
B = other detached structures
C = personal property (contents)
D = loss of use
HO cvg E > personal liab endorsement - = ANSWER =- >> Compensation to inj'd 3P or 3P's prop dmgd by
insured
Includes: PD, med bills, wages, suffering
HO cvg F > med pay endorsement - = ANSWER =- >> Medical expenses of 3P inj'd on insured's property
11 HO endorsements - = ANSWER =- >> Sinkhole, home biz, sewer backup, water backup/overflow,
earthquake, hurricane, ordinance or law, identity fraud, personal prop RC, inflation guard, scheduled
personal prop
EXAM PREP > 13-36 MODULE 3
PERSONAL LINES (HOME & AUTO)
EXAMNEWEST 2025 ACTUAL EXAM
COMPLETE 220+ QUESTIONS AND
DETAILED ANSWERS (VERIFIED
ANSWERS ALREADY GRADED A+ )
|| BRAND NEW !!!!!
…………………………………………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………………………………………
Standard fire policy "165 line" - = ANSWER =- >> Foundation for all property ins cvg
Named peril
Mono line policy - = ANSWER =- >> Covers only 1 risk (type)
Ex: stamp collection
The Broad Form Endorsement added coverage for: - = ANSWER =- >> Vandalism, theft, fall objects,
weather related stuff, electrical current
Building addition & alterations (HO add'l cvgs) - = ANSWER =- >> ONLY Homeowners 4 & 6
Covers structural alterations made at renter / unit owners expense
Additional coverages in homeowners - = ANSWER =- >> Debris removal, reasonable repairs, trees, fire
dept
loss assessment, property removal, credit card fraud/forgery, collapse & glass
Ordinance or law, landlords furnishings, building additions/alterations, grave markers
,Personal injury endorsement covers - = ANSWER =- >> Slander, invasion of privacy, wrongful entry
Home daycare > HO endorsement - = ANSWER =- >> Prop & liab cvg for daycare at insureds home
Premium based off # of kids
Limited fungi, rot or bacteria cvg > HO endorsement - = ANSWER =- >> Covers cost w/i limits to remove
fungi/rot if caused by covered oeril
Permitted incidental occupancy > HO endorsement - = ANSWER =- >> Allows cvg for other structures &
prop on premises used for biz activities
-Under cvgs BC
Personal prop replacement cost > HO endorsement - = ANSWER =- >> Changes valuation from ACV to RC
for certain items
Business pursuit > HO endorsement - = ANSWER =- >> Liab & med pay cvg for specific biz pursuits of
insured
Watercraft liab > HO endorsement - = ANSWER =- >> Liab cvg for certain watercraft that wouldn't
otherwise be covered
Ex: 25+ horsepower motorized boats AND 26+ foot sailboats
Personal injury > HO endorsement - = ANSWER =- >> Cost of damages & defense from personal injury
unless offense was down w full knowledge/intent
HO detached structure > cvg B - = ANSWER =- >> Add'l to cvg A
% of cvg A limit
Ex: A 100k B 10% total is up to 110k
HO cvg C exclusions (NOT personal prop) - = ANSWER =- >> Pets
Cars, aircraft
, Renter's property or property being rented
Credit cards
Water from heating unit (pool water IS covered)
HO cvg C limits - = ANSWER =- >> Usually 50% of cvg A limit
FULL CVG: property on residence premises
Greater of 10% of C limit OR 1k: property elsewhere than residence premises
HO cvg C - = ANSWER =- >> Real property = buildings, elements attached, building materials/supplies
intended for premise use OR on/next to residential premises
Personal property = all that doesn't qualify for real, covered GLOBALLY
HO cvg C special limits - = ANSWER =- >> Between $1,500 - 2,500 for theft of firearms, precious metals,
jewelry, boats and trailers, biz prop, portable electronics, paper docs (deed, passport, manuscripts,
securities etc)
HO property coverages - = ANSWER =- >> A = dwelling, attached structures & materials
B = other detached structures
C = personal property (contents)
D = loss of use
HO cvg E > personal liab endorsement - = ANSWER =- >> Compensation to inj'd 3P or 3P's prop dmgd by
insured
Includes: PD, med bills, wages, suffering
HO cvg F > med pay endorsement - = ANSWER =- >> Medical expenses of 3P inj'd on insured's property
11 HO endorsements - = ANSWER =- >> Sinkhole, home biz, sewer backup, water backup/overflow,
earthquake, hurricane, ordinance or law, identity fraud, personal prop RC, inflation guard, scheduled
personal prop
