STATE FARM FIRE STUDY GUIDE 2025/2026 QUESTIONS
WITH ANSWERS GRADED A+
✔✔Lightning strikes a large tree on the residence premises causing it to fall and
damage the dwelling roof. The policy has a $500 deductible. All repairs have been
completed. How much is payable on this loss?
Roof repair $650.00
Remove tree from roof $1,000
Cut up and haul debris from the tree that damaged the roof $600
Replace the tree $800.00
$2,650
$3,850
$2,550
$2,950
$2,450 - ✔✔$2,550
S/N: The entire loss is covered but there is a $500 limit for tree debris removal and a
$500 limit for replacing the tree. After applying limits, $400 of the $500 deductible is
absorbed.
✔✔Mr. Smith has a Homeowners FP-7955 policy on his primary residence. He takes his
family to their fish camp for the weekend. The fish camp is not listed on the declarations
page. They pack food, clothes, bedding, fishing equipment, toys for the kids, and tools
to make minor repairs to the cabin while they are there. A tornado causes damage to
the cabin and contents. Select the true statements below. - ✔✔- The food, clothing,
bedding, fishing equipment, toys and tools are covered on the primary residence policy
up to policy limits for Coverage B
AND
- The furniture and appliances at the fish camp are covered on the primary residence
policy but they are limited to 10% of Coverage B limits or $1,000, whichever is greater
✔✔A policyholder stores prescription medicine in a pantry that must be kept at 75
degrees Fahrenheit. A severe windstorm knocks out power while the policyholder was
on vacation. Temperatures rose to 98 degrees Fahrenheit inside the dwelling causing
the medicine to spoil. What three things must be verified in order to cover this loss? -
✔✔The three things that must be verified are:
-The power interruption must occur on the residence premises.
- The power interruption must be caused by a loss insured.
-Power lines off the residence premises must remain energized.
, ✔✔The policyholder lives 10 miles from the Gulf Coast. There is a hurricane brewing off
the coast and the insured decides to evacuate the residence premises and head inland
until the hurricane passes. The cost of the hotel was $180 per night for 7 nights.
Hurricane winds cause damage to a neighboring home but there was no damage to the
insured dwelling. The policy has a deductible of $500. How much is payable on this
loss?
$760
$0
$1,260 - ✔✔$0
S/N: There is no coverage for this loss. Prohibited Use coverage only applies when a
civil authority orders the evacuation. In this scenario, the insured took it upon
themselves to evacuate. Refer to Sect. I - Coverages, Coverage C - Loss of Use,
paragraph 3 (pg. 4).
✔✔Under which of the following coverages does the deductible apply?
- Fire department service charge
- Locks
- Credit card, bank fund transfer card, forgery and counterfeit money
- Temporary repairs - ✔✔Temporary repairs
✔✔Option ID is typically 20% of dwelling limits.
- False
- True - ✔✔True
S/N: Typically, Option ID is 20% of Coverage A- Dwelling limits but more can be
purchased. The Option ID amount will be stated in declarations.
✔✔A free-standing range is considered Coverage A - ✔✔False
✔✔Rain blows through a window that is accidentally left open and causes damage to a
couch. The damage to the couch is covered under Coverage B - Personal Property.
- True
- False - ✔✔False
✔✔A family portrait falls off a wall and damages a table. The damage to the table is
covered under Coverage B - Personal Property.
- True
- False - ✔✔False
WITH ANSWERS GRADED A+
✔✔Lightning strikes a large tree on the residence premises causing it to fall and
damage the dwelling roof. The policy has a $500 deductible. All repairs have been
completed. How much is payable on this loss?
Roof repair $650.00
Remove tree from roof $1,000
Cut up and haul debris from the tree that damaged the roof $600
Replace the tree $800.00
$2,650
$3,850
$2,550
$2,950
$2,450 - ✔✔$2,550
S/N: The entire loss is covered but there is a $500 limit for tree debris removal and a
$500 limit for replacing the tree. After applying limits, $400 of the $500 deductible is
absorbed.
✔✔Mr. Smith has a Homeowners FP-7955 policy on his primary residence. He takes his
family to their fish camp for the weekend. The fish camp is not listed on the declarations
page. They pack food, clothes, bedding, fishing equipment, toys for the kids, and tools
to make minor repairs to the cabin while they are there. A tornado causes damage to
the cabin and contents. Select the true statements below. - ✔✔- The food, clothing,
bedding, fishing equipment, toys and tools are covered on the primary residence policy
up to policy limits for Coverage B
AND
- The furniture and appliances at the fish camp are covered on the primary residence
policy but they are limited to 10% of Coverage B limits or $1,000, whichever is greater
✔✔A policyholder stores prescription medicine in a pantry that must be kept at 75
degrees Fahrenheit. A severe windstorm knocks out power while the policyholder was
on vacation. Temperatures rose to 98 degrees Fahrenheit inside the dwelling causing
the medicine to spoil. What three things must be verified in order to cover this loss? -
✔✔The three things that must be verified are:
-The power interruption must occur on the residence premises.
- The power interruption must be caused by a loss insured.
-Power lines off the residence premises must remain energized.
, ✔✔The policyholder lives 10 miles from the Gulf Coast. There is a hurricane brewing off
the coast and the insured decides to evacuate the residence premises and head inland
until the hurricane passes. The cost of the hotel was $180 per night for 7 nights.
Hurricane winds cause damage to a neighboring home but there was no damage to the
insured dwelling. The policy has a deductible of $500. How much is payable on this
loss?
$760
$0
$1,260 - ✔✔$0
S/N: There is no coverage for this loss. Prohibited Use coverage only applies when a
civil authority orders the evacuation. In this scenario, the insured took it upon
themselves to evacuate. Refer to Sect. I - Coverages, Coverage C - Loss of Use,
paragraph 3 (pg. 4).
✔✔Under which of the following coverages does the deductible apply?
- Fire department service charge
- Locks
- Credit card, bank fund transfer card, forgery and counterfeit money
- Temporary repairs - ✔✔Temporary repairs
✔✔Option ID is typically 20% of dwelling limits.
- False
- True - ✔✔True
S/N: Typically, Option ID is 20% of Coverage A- Dwelling limits but more can be
purchased. The Option ID amount will be stated in declarations.
✔✔A free-standing range is considered Coverage A - ✔✔False
✔✔Rain blows through a window that is accidentally left open and causes damage to a
couch. The damage to the couch is covered under Coverage B - Personal Property.
- True
- False - ✔✔False
✔✔A family portrait falls off a wall and damages a table. The damage to the table is
covered under Coverage B - Personal Property.
- True
- False - ✔✔False
