Texas All Lines Adjuster Exam Questions with Answers (100% Correct Answers)

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Texas All Lines Adjuster Exam Questions with Answers
(100% Correct Answers)



DP - valuation —ANS: DP-1 - ACV building & contents

DP-2/3 - RCV building & ACV contents

DP - limit for fair rental value —ANS: 20% of A

DP - coverages (A-E) —ANS: A - dwelling

B - other structures

C - personal property

D - fair rental value

E - additional living expense

DP - limit for additional living expenses —ANS: DP-1 - NONE

DP-2/3 - 20% of A

DP - Property removed is covered for ___ days. —ANS: DP-1 - 5 days

DP-2 - 30 days

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DP - limit for trees/plants/shrubs —ANS: 5% of A

$500 per tree/shrub/plant

DP - fire department service charge —ANS: $500

DP - extended coverages —ANS: windstorm, civil commotion, hail, aircraft, vehicles,

volcanic eruption, explosion, riot

DP - broad perils —ANS: burglary damage, ice/snow weight, glass, accidental

discharge of water/steam, falling objects, freezing, electrical, collapse, tearing

apart/bulging/cracking

DP-3 perils covered (dwelling & contents) —ANS: dwelling - open

contents - broad (DP-2 perils)

Explain the difference between DP & HO policies. —ANS: DP does not automatically

cover theft or include liability coverage.

DP - Explain the difference between limited/broad theft endorsement. —ANS: limited

- on premises only

broad - on & off premises

HO-2 perils (dwelling & contents) —ANS: dwelling - named/broad

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contents - named/broad

HO-3 perils (dwelling & contents) —ANS: dwelling - open

contents - named/broad

HO-4 perils (dwelling & contents) —ANS: dwelling - NO COVERAGE

contents - named/broad

HO-5 perils (dwelling & contents) —ANS: dwelling - open

contents - open

HO-6 perils (dwelling & contents) —ANS: dwelling - LIMITED named/broad

contents - named/broad

HO-8 perils (dwelling & contents) —ANS: dwelling - named/basic & extended

contents - named/basic & extended

HO - valuation —ANS: RCV dwelling

ACV content (unless endorsed)

EXCEPT HO-8 - ACV dwelling & contents

HO - coverages (A-F) —ANS: A - dwelling

B - other structures - 10% of A

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C - personal property - 50% of A

D - loss of use - 30% of A

E - medical payments

F - liability

HO - limit for personal property in self-storage —ANS: 10% of C

HO - money limit —ANS: $200

HO - securities limit —ANS: $1,500

HO - watercraft limit (including trailers) —ANS: $1,500

HO - trailers limit (except watercraft trailers) —ANS: $1,500 - ON PREMISES ONLY

HO - THEFT of jewelry/furs limit —ANS: $1,500

HO - THEFT of firearms limit —ANS: $2,500

HO - THEFT of silverware limit —ANS: $2,500

HO - business personal property on premises limit —ANS: $2,500

HO - business personal property off premises limit —ANS: $1,500

HO - electronic vehicle equipment limit —ANS: $1,500

HO - tapes/discs in vehicle limit —ANS: $250

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