State Farm Newest Version (2026) Real
Questions and Verified Answers 100%
Correct (A+)
A commemorative plate located on top of the upper cabinets in the kitchen falls
and lands on an heirloom soup terrine breaking both. Which statement is true?
(A) Both pieces are covered under the Falling Object Peril
(B) Only the soup terrine is covered from damage resulting from the Falling Object
(C) Neither is covered under the Falling Object Peril -✓✓(C) Neither is covered
under the Falling Object Peril
Mr. Holder's roof has sustained damaged by birds and rodents. During a rain storm,
water entered the home through this roof damage causing damage to the ceiling
and a throw rug. What can you pay for on this loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above -✓✓(A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to
dwelling extensions, other structures? -✓✓False
Due to a general power outage in the area, the food in Mr. Holder's freezer spoiled
and the resulting smell ruined the freezer. We can pay to replace both the food and
the freezer? -✓✓False
Option ID applies to the dwelling and other structures. -✓✓False
The beach house furnishings have been replaced and you have verified the
replacement cost at $25,459.99. The coverage B limits are $100,000.00. Consider
the $250.00 deductible in your calculations. How much would you pay on this
loss?
,(A)$25,209.99
(B)$9,750
(C)$10,000.00
(D)None of the above -✓✓(C)$10,000.00
Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is away, her
home is broken in to and her Mink Coat and silverware is stolen. Which of the
following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs listed in the
declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the
declarations.
(D)Silverware is not considered Jewelry in the Policy -✓✓(D)Silverware is not
considered Jewelry in the Policy
When property is damaged we owe actual cash value (ACV) at the time of the loss.
After the repairs are made we would owe replacement cost (RCV) up to the limit
of the market value. -✓✓False
Which of the following is true about Jewelry and Fur coverage under Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has been
purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this Option
(E)The limits for loss by Theft is shown in the Declarations for Coverage B, plus
the aggregate limit
(F)None of the above -✓✓(F)None of the above
The furnishings are covered up to the Coverage B limits -✓✓False
Mr. Holder grows exotic plants, as a hobby, which he discovered on a tropical
island. During a severe thunderstorm, strong winds blew down a tree onto the
electric mast located on the roof of his house causing the electricity to go out. Mr.
Holder was away for a week during this time and all of the plants died due to the
change in temperature inside the home. In order to pay the claim you must verify?
, (A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above -✓✓(D)All of the above
During an approaching hurricane the local authorities ordered an evacuation which
lasted three weeks. Mr. Holder hired some helpers to load his personal property on
to a rental truck and he moved the items to a safe location. After the all clear signal
was given and our Insured moved his contents back home, he submitted the
following bills. What items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
(E)
Rent for the temporary storage -✓✓(E)
Rent for the temporary storage
During a severe thunderstorm, a limb blew out of a tree and broke out a skylight
allowing rain to enter our Insured's home damaging the carpet, throw rug, painted
walls and end table. The following is the invoice presented by the Policy holder
after the work is complete.
RCV ACV
Replace Carpet $1200 $850
Repair and paint drywall 1100 635
Replace throw rug 85 40
Replace end table 166 95
How much do you owe the Policy Holder? Consider the $250 deductible and no
policy limits have been exceeded.
(A)
Questions and Verified Answers 100%
Correct (A+)
A commemorative plate located on top of the upper cabinets in the kitchen falls
and lands on an heirloom soup terrine breaking both. Which statement is true?
(A) Both pieces are covered under the Falling Object Peril
(B) Only the soup terrine is covered from damage resulting from the Falling Object
(C) Neither is covered under the Falling Object Peril -✓✓(C) Neither is covered
under the Falling Object Peril
Mr. Holder's roof has sustained damaged by birds and rodents. During a rain storm,
water entered the home through this roof damage causing damage to the ceiling
and a throw rug. What can you pay for on this loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above -✓✓(A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to
dwelling extensions, other structures? -✓✓False
Due to a general power outage in the area, the food in Mr. Holder's freezer spoiled
and the resulting smell ruined the freezer. We can pay to replace both the food and
the freezer? -✓✓False
Option ID applies to the dwelling and other structures. -✓✓False
The beach house furnishings have been replaced and you have verified the
replacement cost at $25,459.99. The coverage B limits are $100,000.00. Consider
the $250.00 deductible in your calculations. How much would you pay on this
loss?
,(A)$25,209.99
(B)$9,750
(C)$10,000.00
(D)None of the above -✓✓(C)$10,000.00
Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is away, her
home is broken in to and her Mink Coat and silverware is stolen. Which of the
following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs listed in the
declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the
declarations.
(D)Silverware is not considered Jewelry in the Policy -✓✓(D)Silverware is not
considered Jewelry in the Policy
When property is damaged we owe actual cash value (ACV) at the time of the loss.
After the repairs are made we would owe replacement cost (RCV) up to the limit
of the market value. -✓✓False
Which of the following is true about Jewelry and Fur coverage under Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has been
purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this Option
(E)The limits for loss by Theft is shown in the Declarations for Coverage B, plus
the aggregate limit
(F)None of the above -✓✓(F)None of the above
The furnishings are covered up to the Coverage B limits -✓✓False
Mr. Holder grows exotic plants, as a hobby, which he discovered on a tropical
island. During a severe thunderstorm, strong winds blew down a tree onto the
electric mast located on the roof of his house causing the electricity to go out. Mr.
Holder was away for a week during this time and all of the plants died due to the
change in temperature inside the home. In order to pay the claim you must verify?
, (A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above -✓✓(D)All of the above
During an approaching hurricane the local authorities ordered an evacuation which
lasted three weeks. Mr. Holder hired some helpers to load his personal property on
to a rental truck and he moved the items to a safe location. After the all clear signal
was given and our Insured moved his contents back home, he submitted the
following bills. What items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
(E)
Rent for the temporary storage -✓✓(E)
Rent for the temporary storage
During a severe thunderstorm, a limb blew out of a tree and broke out a skylight
allowing rain to enter our Insured's home damaging the carpet, throw rug, painted
walls and end table. The following is the invoice presented by the Policy holder
after the work is complete.
RCV ACV
Replace Carpet $1200 $850
Repair and paint drywall 1100 635
Replace throw rug 85 40
Replace end table 166 95
How much do you owe the Policy Holder? Consider the $250 deductible and no
policy limits have been exceeded.
(A)
