Florida Personal Lines Exam 2026/2027 – Verified Questions and Answers with Top Scores, Study Guides, and Practice Tests

Florida Personal Lines Exam
2026/2027 – Verified
Questions and Answers with
Top Scores, Study Guides, and
Practice Tests
Under Part A of a Personal Auto Policy, which of the following losses would be
covered?


A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the insured
D.) Damage to the home the insured owns - ANSWER-B.) Damage to a neighbor's
parked car


Which of the following is true regarding the Fine Arts Floater?


A.) Coverage is limited to the United States, Canada, and Mexico
B.) Coverage is primarily for stamps and coins

,C.) It provides automatic coverage on newly acquired items for 90 days
D.) It settles losses on an ACV basis - ANSWER-C.) It provides automatic coverage
on newly acquired items for 90 days


All of the following statements are correct about a Homeowners Policy, except:


A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental
business
C.) A Homeowners Policy will not cover theft of a boat away from premises
D.) Coverage D of a Homeowners Policy covers additional living expenses -
ANSWER-B.) Coverage D of a Homeowners Policy includes loss of income from an
incidental business


Under disability income insurance, a monthly benefit will be ________ of the
insured's monthly income.


A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - ANSWER-B.) 66 2/3%


All of the following items of property are considered property not covered under
Coverage C of a Homeowners policy, except:

,A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - ANSWER-B.) Personal property of a guest


Which of the following is NOT a purpose of licensing?


A.) For the applicant to be familiar with the Florida insurance laws
B.) To authorize and enable the licensee to actively and in good faith engage in the
insurance business as an agent
C.) To facilitate the public supervision of such activities in the public interest
D.) To authorize the agent to insure risks - ANSWER-D.) To authorize the agent to
insure risks


Liability coverage provided by a Personal Auto policy would cover which of the
following damages?


A.) Damage to property being transported by the insured in a covered auto
B.) Damage to a private garage rented to the insured, caused by the insured's child
driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is in the care of the insured
D.) Damage to a storefront caused by a valet driver operating a covered auto -
ANSWER-B.) Damage to a private garage rented to the insured, caused by the
insured's child driving a covered auto

, Which policy provision omits certain risks from coverage?


A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations - ANSWER-C.) Exclusions


When an underlying policy does not cover a particular loss, the insured's Umbrella
Liability policy will drop down and cover the entire loss, after payment by the
insured of a:


A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission - ANSWER-B.) Self-insured retention


Liability coverage may be provided by a Homeowners policy for the insured's use
of which of the following watercraft?


A.) 20-foot sailing boat
B.) Private yacht owned by the insured
C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser - ANSWER-A.) 20-foot sailing boat