ALABAMA INSURANCE PERSONAL LINES
EXAM QUESTIONS AND ANSWERS LATEST
2025-2026 EXAM UPDATE
Which of the following coverages is included in the Homeowners policy
but is NOT included in an under endorsed Dwelling policy? - Answer-
Liability
Open peril coverage for both the dwelling and personal property is
provided by the: - Answer-HO-5
Coverage for which of the following is excluded by a Dwelling policy?
- Answer-Coin Collection
Which of the following perils is covered by the HO-2 and HO-3? -
Answer-Sudden and the accidental rupture of a heating system
Under a pure no-fault plan, each party to an auto accident: - Answer-Is
reimbursed by his or her own insurance company
An additional loss that results from a direct loss to property is called
a/an: - Answer-Indirect/consequential loss
Assume the following items were stolen from the insureds home. Which
one of these losses would be fully covered under Coverage C of the
Homeowners policy, assuming the loss was for the full value of the
, property described? - Answer-A $2,000 laptop computer the insured
used for her in-home accounting business.
Both the structure and the contents of a mobile home can be insured by
purchasing: - Answer-Either a mobile home package policy or an HO-2
or HO-3 with the Mobile Homeowners endorsement
In ALL states an underendorsed Personal Auto policy's underinsured
motorists coverage applies to what type of loss caused by an uninsured
motorist? - Answer-Bodily injury
Which one of the following accidents would NOT be covered under the
Uninsured Motorists coverage of the Personal Auto policy? - Answer-
An accident with a driver who carries the minimum liability limits
required by law, but whose insurance is not adequate to cover the
damages
The personal auto policy's medical payments coverage would NOT
provide protection for which one of the following? - Answer-Occupants
of a car that was struck by the insured
The authority specifically given to an agent either orally or in writing by
the principal is called - Answer-Express authority
Which of the following is responsible for the licensing of insurance
agents - Answer-Individual state department of insurance
EXAM QUESTIONS AND ANSWERS LATEST
2025-2026 EXAM UPDATE
Which of the following coverages is included in the Homeowners policy
but is NOT included in an under endorsed Dwelling policy? - Answer-
Liability
Open peril coverage for both the dwelling and personal property is
provided by the: - Answer-HO-5
Coverage for which of the following is excluded by a Dwelling policy?
- Answer-Coin Collection
Which of the following perils is covered by the HO-2 and HO-3? -
Answer-Sudden and the accidental rupture of a heating system
Under a pure no-fault plan, each party to an auto accident: - Answer-Is
reimbursed by his or her own insurance company
An additional loss that results from a direct loss to property is called
a/an: - Answer-Indirect/consequential loss
Assume the following items were stolen from the insureds home. Which
one of these losses would be fully covered under Coverage C of the
Homeowners policy, assuming the loss was for the full value of the
, property described? - Answer-A $2,000 laptop computer the insured
used for her in-home accounting business.
Both the structure and the contents of a mobile home can be insured by
purchasing: - Answer-Either a mobile home package policy or an HO-2
or HO-3 with the Mobile Homeowners endorsement
In ALL states an underendorsed Personal Auto policy's underinsured
motorists coverage applies to what type of loss caused by an uninsured
motorist? - Answer-Bodily injury
Which one of the following accidents would NOT be covered under the
Uninsured Motorists coverage of the Personal Auto policy? - Answer-
An accident with a driver who carries the minimum liability limits
required by law, but whose insurance is not adequate to cover the
damages
The personal auto policy's medical payments coverage would NOT
provide protection for which one of the following? - Answer-Occupants
of a car that was struck by the insured
The authority specifically given to an agent either orally or in writing by
the principal is called - Answer-Express authority
Which of the following is responsible for the licensing of insurance
agents - Answer-Individual state department of insurance
