TEXAS PROPERTY AND CASUALTY
INSURANCE TEST EXAM 2025 NEWEST
EXAM COMPLETE EXAM QUESTIONS
WITH DETAILED VERIFIED ANSWERS
CURRENTLY TESTING /A+ STUDY
MATERIAL
All of your belongings in the house are covered by in
a dwelling policy. - ....ANSWER...Coverage C
Lost rent is covered by . Limited by 20% of coverage
A. - ....ANSWER...Coverage D
Personal liability is covered by on a dwelling policy
as an endorsement. - ....ANSWER...Coverage L
1
,Medical payments to others are covered by on a
dwelling policy as an endorsement. -
....ANSWER...Coverage M
In comparison to the homeowners policy, the dwelling
policy provides coverage. - ....ANSWER...broader
What could be covered under a dwelling policy? -
....ANSWER...house with renters
A is considered personal property under a dwelling
policy. - ....ANSWER...pool table
Open peril coverage for the dwelling and broad coverage
for personal property is covered by the .-
....ANSWER...DP3
In addition to the perils that are automatically covered in
the DP-1, the insured may opt to have property covered
against . - ....ANSWER...extended coverage perils,
vandalism and malicious mischief
2
,Under which of the dwelling forms may the insured be
reimbursed for the replacement cost of a dwelling when it
is destroyed? - ....ANSWER...DP-2 and DP-3
The insured has a DP-3 covering a home that has a
replacement value of $100,000. The insured carries $60,000
of insurance. Following a loss, it is determined that it
would cost $12,000 to replace the damaged portion of the
home. How much could the insured collect, assuming the
ACV of the loss is $6,000? - ....ANSWER...$9000
Damage to covered property caused by glass breakage is
covered in . - ....ANSWER...DP2 and DP3
Which dwelling forms pay losses to dwellings and other
structures on an actual cash value basis? -
....ANSWER...DP1
Which dwelling forms pay losses to personal property on
an actual cash value basis? - ....ANSWER...DP1, DP2 and
DP3
3
, An insured is found liable for a $100,000 bodily injury
claim as a result of a car accident. Her insurance company
incurred $25,000 in expenses defending the insured against
the suit. The insured's auto policy limit is $100,000. How
much will the insurance company pay for the bodily
injury? - ....ANSWER...$100,00
An employee is delivering packages for her employer but is
using her own vehicle. The employee hits a pedestrian. The
employer may be held liable because of the doctrine of
. - ....ANSWER...vicarious liability
4
INSURANCE TEST EXAM 2025 NEWEST
EXAM COMPLETE EXAM QUESTIONS
WITH DETAILED VERIFIED ANSWERS
CURRENTLY TESTING /A+ STUDY
MATERIAL
All of your belongings in the house are covered by in
a dwelling policy. - ....ANSWER...Coverage C
Lost rent is covered by . Limited by 20% of coverage
A. - ....ANSWER...Coverage D
Personal liability is covered by on a dwelling policy
as an endorsement. - ....ANSWER...Coverage L
1
,Medical payments to others are covered by on a
dwelling policy as an endorsement. -
....ANSWER...Coverage M
In comparison to the homeowners policy, the dwelling
policy provides coverage. - ....ANSWER...broader
What could be covered under a dwelling policy? -
....ANSWER...house with renters
A is considered personal property under a dwelling
policy. - ....ANSWER...pool table
Open peril coverage for the dwelling and broad coverage
for personal property is covered by the .-
....ANSWER...DP3
In addition to the perils that are automatically covered in
the DP-1, the insured may opt to have property covered
against . - ....ANSWER...extended coverage perils,
vandalism and malicious mischief
2
,Under which of the dwelling forms may the insured be
reimbursed for the replacement cost of a dwelling when it
is destroyed? - ....ANSWER...DP-2 and DP-3
The insured has a DP-3 covering a home that has a
replacement value of $100,000. The insured carries $60,000
of insurance. Following a loss, it is determined that it
would cost $12,000 to replace the damaged portion of the
home. How much could the insured collect, assuming the
ACV of the loss is $6,000? - ....ANSWER...$9000
Damage to covered property caused by glass breakage is
covered in . - ....ANSWER...DP2 and DP3
Which dwelling forms pay losses to dwellings and other
structures on an actual cash value basis? -
....ANSWER...DP1
Which dwelling forms pay losses to personal property on
an actual cash value basis? - ....ANSWER...DP1, DP2 and
DP3
3
, An insured is found liable for a $100,000 bodily injury
claim as a result of a car accident. Her insurance company
incurred $25,000 in expenses defending the insured against
the suit. The insured's auto policy limit is $100,000. How
much will the insurance company pay for the bodily
injury? - ....ANSWER...$100,00
An employee is delivering packages for her employer but is
using her own vehicle. The employee hits a pedestrian. The
employer may be held liable because of the doctrine of
. - ....ANSWER...vicarious liability
4
