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Insuring Personal Residential Property Mock Test With Answer Rationales 2026

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INSURING PERSONAL RESIDENTIAL PROPERTY MOCK TEST WITH ANSWER RATIONALES 2026

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INSURING PERSONAL RESIDENTIAL PROPERTY
MOCK TEST WITH ANSWER RATIONALES 2026


◉ ACV.
Answer: personal property claim value


◉ replacement, required to carry 80%.
Answer: dwelling (DP-2 and DP-3) claim value


◉ fire, lightning, and internal explosion.
Answer: DP-1: Basic


◉ DP-1 Basic.
Answer: fire, lightning, and internal explosion


◉ only insures fire, lightning, and internal explosion automatically;
EC-WCSHAVVER (additional premium); V&MM-if has EC (additional
premium).
Answer: DP-1


◉ DP-1.

, Answer: only insures fire, lightning, and internal explosion
automatically; EC-WCSHAVVER (additional premium); V&MM-if has
EC (additional premium)


◉ all of DP-1 available perils (fire, lightning, internal explosion,
WCSHAVVER and V&MM), plus BIG AFFECT.
Answer: DP-2 Broad


◉ DP-2 Broad.
Answer: all of DP-1 available perils (fire, lightning, internal
explosion, WCSHAVVER and V&MM), plus BIG AFFECT


◉ burglary damage, ice and snow weight, glass breakage, accidental
discharge or overflow of water, falling objects, freezing pipes,
electrical damage, collapse, tearing asunder.
Answer: what does BIG AFFECT stand for


◉ weight of ice, snow, or falling objects on awnings, fences, patios,
swimming pools, docks, and retaining walls; accidental discharge of
water from continuous leaking; flood; burglary if property vacant
more than 60 consecutive days.
Answer: DP-2 broad exclusions


◉ DP-2 broad exclusions.

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