CISR - PERSONAL LINES MISCELLANEOUS EXAM QUESTIONS
WITH COMPLETE SOLUTION
Because Kenny and Laura's new home is mortgaged, what must be listed on the
declarations page?
C The mortgagee's name and address
Which part of a homeowners insurance policy personalizes the contract?
Declarations
Duties of the insurer found in homeowners property policy conditions include all
of the following except
notify the insured in the event of a financial difficulty
What is the basic limit under coverage F medical payments to others on in HO
policy?
A $500 Per person
B $1,000 Per person
C $5,000 Per person******************
D $10,000 Per person
Nestor's living room flooded after a pipe burst. Nestor's has a homeowners policy
that covers personal property which of the following would not be covered under
the contents provisions of Nester's policy?
D damage done to the floors and walls
Which interest is awarded to an insured by a court for damages under the part a
liability coverage of a personal auto policy?
A accrued interest
B savings interest
C prejudgment interest***************
D deffered interest
BART lives near a nuclear power plant. There is a terrible accident, and a reactor
explodes, causing a great deal of damage to surrounding homes including parts.
Regarding medical coverage is provided by section 2, coverages E and F, which
of the following is true?
A this incident would be covered for 100% of the medical cost
B this incident would not be covered****************
C this incident not be covered up to $20,000
D this incident would be covered up to $50,000
, Which of the following is a covered peril under a homeowners policy if it is
caused The collapse of a building?
A Hidden Decay**************
B shrinking of clay bases
C settling of the foundation
D cracking of exterior walls
Which section of a contract is preceded by a statement explaining the services
provided by an insurance company when premiums are paid as shown in the
policy?
agreement
Meg and Rick's apartment was damaged and a fire. They carry an H04 policy on
the contents. What part of the policy would cover the cost associated with
staying in another dwelling while the apartment is being repaired?
Coverage D loss of use
Which of the following is not a major loss exposure for unit owners covered on
age of six?
Loss of personal property
And automobile policy has limits of 100/300/50. The 100 means
The maximum limit for bodily injury claims that can be paid for one person
If an insured is in an accident where the other driver is at fault, which legal
defense is in force?
Vicarious liability
Absolute liability*************
Comparative negligence
Contributary of negligence
Tim placed a call to his insurance agent questioning the types of events I could
trigger coverage and his homeowners policy. Which peril below would not be
covered?
Flood or storm surge
Which of the following terms means termination of an insurance policy at its
expiration date by not offering a continuation of the existing policy or
replacement policy?
Nonrenewal
Under an extended transportation expense endorsement what is the maximum
policy will pay for the renting of a substitute vehicle?
$300
$500
$600
WITH COMPLETE SOLUTION
Because Kenny and Laura's new home is mortgaged, what must be listed on the
declarations page?
C The mortgagee's name and address
Which part of a homeowners insurance policy personalizes the contract?
Declarations
Duties of the insurer found in homeowners property policy conditions include all
of the following except
notify the insured in the event of a financial difficulty
What is the basic limit under coverage F medical payments to others on in HO
policy?
A $500 Per person
B $1,000 Per person
C $5,000 Per person******************
D $10,000 Per person
Nestor's living room flooded after a pipe burst. Nestor's has a homeowners policy
that covers personal property which of the following would not be covered under
the contents provisions of Nester's policy?
D damage done to the floors and walls
Which interest is awarded to an insured by a court for damages under the part a
liability coverage of a personal auto policy?
A accrued interest
B savings interest
C prejudgment interest***************
D deffered interest
BART lives near a nuclear power plant. There is a terrible accident, and a reactor
explodes, causing a great deal of damage to surrounding homes including parts.
Regarding medical coverage is provided by section 2, coverages E and F, which
of the following is true?
A this incident would be covered for 100% of the medical cost
B this incident would not be covered****************
C this incident not be covered up to $20,000
D this incident would be covered up to $50,000
, Which of the following is a covered peril under a homeowners policy if it is
caused The collapse of a building?
A Hidden Decay**************
B shrinking of clay bases
C settling of the foundation
D cracking of exterior walls
Which section of a contract is preceded by a statement explaining the services
provided by an insurance company when premiums are paid as shown in the
policy?
agreement
Meg and Rick's apartment was damaged and a fire. They carry an H04 policy on
the contents. What part of the policy would cover the cost associated with
staying in another dwelling while the apartment is being repaired?
Coverage D loss of use
Which of the following is not a major loss exposure for unit owners covered on
age of six?
Loss of personal property
And automobile policy has limits of 100/300/50. The 100 means
The maximum limit for bodily injury claims that can be paid for one person
If an insured is in an accident where the other driver is at fault, which legal
defense is in force?
Vicarious liability
Absolute liability*************
Comparative negligence
Contributary of negligence
Tim placed a call to his insurance agent questioning the types of events I could
trigger coverage and his homeowners policy. Which peril below would not be
covered?
Flood or storm surge
Which of the following terms means termination of an insurance policy at its
expiration date by not offering a continuation of the existing policy or
replacement policy?
Nonrenewal
Under an extended transportation expense endorsement what is the maximum
policy will pay for the renting of a substitute vehicle?
$300
$500
$600
