TEXAS PROPERTY AND CASUALTY
EXAM 2026 EXAMINATION TEST
SOLVED QUESTIONS WITH FULL
SOLUTION GRADED A+
◉ What is the maximum coverage for a residence under the Regular
Program of the national flood program? Answer: $250,000
◉ What should an insurance agent request if a client's homeowners
policy application is rejected? Answer: Coverage under the Assigned
Risk Plan
◉ Where can a homeowner get more liability coverage? Answer:
Umbrella policy
◉ Which type of property is not covered by a Personal Effects Floater?
Answer: Buildings
◉ What kind of insurance can a person buy from the FAIR plan after
being denied by 2 admitted insurers in Texas? Answer: Wind insurance
◉ What must be done after a claim on a Texas Windstorm Insurance
Association (TWIA) Policy? Answer: Must be inspected
◉ What does an Umbrella Liability policy provide? Answer: An
additional layer of insurance protection above the limits in underlying
primary policies
,◉ What does the Businessowners Policy, Employee Dishonesty
Optional Coverage cover? Answer: Damage or loss to business or
personal property from dishonest acts of employees
◉ After how many consecutive days of vacancy does the vacancy
provision in the Business Owners Policy apply? Answer: 30 days
◉ Which coverage under the Businessowners Policy covers bodily
injury or property damage occurring away from the premises? Answer:
Products and Completed Operations
◉ After a claim has been paid under Businessowners Liability
Coverage, who do the recovery rights belong to? Answer: Belong to the
insurer
◉ Which businesses are eligible for coverage on a Businessowners
policy? Answer: 6-unit apartment building
◉ Under which section would outdoor furniture in the Businessowners
policy be covered? Answer: Building
◉ What tort is NOT included in personal injury under a Businessowners
Policy? Answer: Professional malpractice
, ◉ A motel exceeding what height may not be written under the
Businessowners Policy? Answer: 3 stories
◉ What does a builders risk policy not include? Answer: Liability
◉ What should a roofer use to cover tools and supplies at a job site?
Answer: Contractors equipment floater
◉ What kind of insurance does a beautician need if a customer has an
allergic reaction to a dye? Answer: Professional insurance
◉ What covers the wrongful action of an insurance producer who fails
to renew an insured's policy? Answer: Errors and Omissions Liability
Policy
◉ Where do Inland Marine policies generally cover property? Answer:
On land only
◉ What does Equipment Breakdown coverage not cover? Answer:
Motor vehicles
◉ What does a Homeowners Policy remove regarding depreciation?
Answer: It removes the depreciation on the loss of use section of the
policy.
EXAM 2026 EXAMINATION TEST
SOLVED QUESTIONS WITH FULL
SOLUTION GRADED A+
◉ What is the maximum coverage for a residence under the Regular
Program of the national flood program? Answer: $250,000
◉ What should an insurance agent request if a client's homeowners
policy application is rejected? Answer: Coverage under the Assigned
Risk Plan
◉ Where can a homeowner get more liability coverage? Answer:
Umbrella policy
◉ Which type of property is not covered by a Personal Effects Floater?
Answer: Buildings
◉ What kind of insurance can a person buy from the FAIR plan after
being denied by 2 admitted insurers in Texas? Answer: Wind insurance
◉ What must be done after a claim on a Texas Windstorm Insurance
Association (TWIA) Policy? Answer: Must be inspected
◉ What does an Umbrella Liability policy provide? Answer: An
additional layer of insurance protection above the limits in underlying
primary policies
,◉ What does the Businessowners Policy, Employee Dishonesty
Optional Coverage cover? Answer: Damage or loss to business or
personal property from dishonest acts of employees
◉ After how many consecutive days of vacancy does the vacancy
provision in the Business Owners Policy apply? Answer: 30 days
◉ Which coverage under the Businessowners Policy covers bodily
injury or property damage occurring away from the premises? Answer:
Products and Completed Operations
◉ After a claim has been paid under Businessowners Liability
Coverage, who do the recovery rights belong to? Answer: Belong to the
insurer
◉ Which businesses are eligible for coverage on a Businessowners
policy? Answer: 6-unit apartment building
◉ Under which section would outdoor furniture in the Businessowners
policy be covered? Answer: Building
◉ What tort is NOT included in personal injury under a Businessowners
Policy? Answer: Professional malpractice
, ◉ A motel exceeding what height may not be written under the
Businessowners Policy? Answer: 3 stories
◉ What does a builders risk policy not include? Answer: Liability
◉ What should a roofer use to cover tools and supplies at a job site?
Answer: Contractors equipment floater
◉ What kind of insurance does a beautician need if a customer has an
allergic reaction to a dye? Answer: Professional insurance
◉ What covers the wrongful action of an insurance producer who fails
to renew an insured's policy? Answer: Errors and Omissions Liability
Policy
◉ Where do Inland Marine policies generally cover property? Answer:
On land only
◉ What does Equipment Breakdown coverage not cover? Answer:
Motor vehicles
◉ What does a Homeowners Policy remove regarding depreciation?
Answer: It removes the depreciation on the loss of use section of the
policy.
