FLORIDA STATE FIRE FIGHTING TEST 2025 QUESTIONS
WITH ANSWERS GUARANTEE A+
✔✔The insured has an HO-3 policy with a Coverage A limit of $250,000 and Option ID
of $50,000. The in-ground swimming pool, located 20 feet away from the home, is
totally destroyed by a loss insured. What is the maximum amount you can pay for pool
debris removal and replacement of the pool?
Select the single best answer:
A. $25,000
B. $31,500
C. $30,000
D. $26,250
E. $50,000 - ✔✔26250
✔✔In an HO-3 policy, Option AI (Additional Insured) provides coverage for:
Select the single best answer:
A. Coverage C
B. Coverage B
C. Coverage A
D. Coverage A and Coverage B
E. Coverage A and Coverage C - ✔✔C. Coverage A
✔✔Under an HO-3 policy with Option JF, which if the following statements is true
concerning a jewelry loss?
Select the single best answer:
A. Coverage applies only for the sixteen Section I-Losses Insured, Coverage B-
Personal Property named perils.
B. The limit of liability for theft jewelry and furs is $1,000.
C. Coverage only applies for the items listed on the schedule in the Declarations.
D. Coverage is for accidental direct physical loss or damage unless otherwise stated. -
✔✔D. Coverage is for accidental direct physical loss or damage unless otherwise
stated.
✔✔We insure Steve Smith with a HO-3 policy. Steve works at the Acme Vacuum Co.
On weekends and in the evenings he repairs vacuum cleaners in a detached building
structure on the insured premises. The building is damaged by a severe windstorm.
Since Steve owns his business and only works part time the damage will be paid under
the Dwelling Extension coverage of the policy.
True or False - ✔✔False
,✔✔Judy Howard owns a home at 2500 Mocking Bird Lane. She had a HO-3 policy in
force. She sold the home on June 5, XX and began moving her personal property to a
new residence. On June 27 a tornado damaged the personal property at the new
location. Judy's policy is still in force. She did not have a policy in force for the new
location.
Select the single best answer:
A. Coverage up to the Coverage B limits applies at the new location
B. Coverage up to the Coverage B limits applies at the original location
C. Judy would have to purchase an endorsement to provide coverage for the personal
property during the moving process.
D. A and B are both correct.
E. None of the above are correct. - ✔✔D. A and B are both correct.
✔✔The cooling system for the insured's freezer is damaged due to a power failure and
all food in the unit is spoiled before the insured becomes aware of the loss. You can pay
for the food if there is a HO-3 policy in force.
True or False - ✔✔True
✔✔Select the choice below that most accurately describes treatment of a deductible
under the HO-3 policy.
Select the single best answer:
A. The deductible may be partially absorbed.
B. The deductible may be completely absorbed.
C. The deductible is not applied to Fire Department Service Charges.
D. The deductible may be absorbed due to covered loss in excess of a coverage limit or
a special limit.
E. All the above are true. - ✔✔E. All the above are true.
✔✔The insured (HO-3 policy in force) is building a barn on property where he plans to
build a new home and move in the future. The property is not listed on the Declaration
Page. During the construction process he stores construction materials and supplies for
the barn in his detached garage at the insured premises. These building materials and
supplies are destroyed. They are not covered under Coverage A.
True or False - ✔✔True
✔✔Chuck Bailey has a HO-3 policy with Loss Settlement Provisions of A1 & B1. After
Chuck has made repairs to Coverage A items and replaced Coverage B items, claim
, payment (subject to any limit of liability) will be based upon which of the following
amounts?
Select the single best answer:
A. Salvage value
B. Replacement cost
C. Market value
D. \Original purchase price
E. Actual cash value - ✔✔Replacement cost
✔✔In the HO-3 policy, temporary repairs:
Select the single best answer:
A. Are available for reasonable and necessary costs incurred, caused by a loss insured.
B. Provide an additional amount of insurance for temporary repairs to covered property.
C. Are to protect the property from further immediate damage or loss.
D. A, B and C are correct.
E. A and C are correct - ✔✔E. A and C are correct
✔✔Option ID under the HO-3 applies to:
Select the single best answer:
A. The dwelling and other building structures
B. All covered structures
C. The dwelling
D. The dwelling and all other structures
E. Both A and D - ✔✔The dwelling and other building structures
✔✔Which of the following statements can apply to Debris Removal Coverage in the
HO-3 policy?
Select the single best answer:
A. Pay up to $500 in the aggregate for each loss to cover the reasonable expenses
incurred in the removal of tree debris from the residence premises when the tree has
caused a loss insured to Coverage A property.
B. We will pay the reasonable expenses incurred in the removal of debris of covered
property damaged by a loss insured. This expense is included in the limit applying to the
damaged property.
C. When the amount payable for the property damage plus the debris removal exceeds
the limit for the damaged property, an additional 5% of that limit is available for debris
removal expense.
D. All of the above
WITH ANSWERS GUARANTEE A+
✔✔The insured has an HO-3 policy with a Coverage A limit of $250,000 and Option ID
of $50,000. The in-ground swimming pool, located 20 feet away from the home, is
totally destroyed by a loss insured. What is the maximum amount you can pay for pool
debris removal and replacement of the pool?
Select the single best answer:
A. $25,000
B. $31,500
C. $30,000
D. $26,250
E. $50,000 - ✔✔26250
✔✔In an HO-3 policy, Option AI (Additional Insured) provides coverage for:
Select the single best answer:
A. Coverage C
B. Coverage B
C. Coverage A
D. Coverage A and Coverage B
E. Coverage A and Coverage C - ✔✔C. Coverage A
✔✔Under an HO-3 policy with Option JF, which if the following statements is true
concerning a jewelry loss?
Select the single best answer:
A. Coverage applies only for the sixteen Section I-Losses Insured, Coverage B-
Personal Property named perils.
B. The limit of liability for theft jewelry and furs is $1,000.
C. Coverage only applies for the items listed on the schedule in the Declarations.
D. Coverage is for accidental direct physical loss or damage unless otherwise stated. -
✔✔D. Coverage is for accidental direct physical loss or damage unless otherwise
stated.
✔✔We insure Steve Smith with a HO-3 policy. Steve works at the Acme Vacuum Co.
On weekends and in the evenings he repairs vacuum cleaners in a detached building
structure on the insured premises. The building is damaged by a severe windstorm.
Since Steve owns his business and only works part time the damage will be paid under
the Dwelling Extension coverage of the policy.
True or False - ✔✔False
,✔✔Judy Howard owns a home at 2500 Mocking Bird Lane. She had a HO-3 policy in
force. She sold the home on June 5, XX and began moving her personal property to a
new residence. On June 27 a tornado damaged the personal property at the new
location. Judy's policy is still in force. She did not have a policy in force for the new
location.
Select the single best answer:
A. Coverage up to the Coverage B limits applies at the new location
B. Coverage up to the Coverage B limits applies at the original location
C. Judy would have to purchase an endorsement to provide coverage for the personal
property during the moving process.
D. A and B are both correct.
E. None of the above are correct. - ✔✔D. A and B are both correct.
✔✔The cooling system for the insured's freezer is damaged due to a power failure and
all food in the unit is spoiled before the insured becomes aware of the loss. You can pay
for the food if there is a HO-3 policy in force.
True or False - ✔✔True
✔✔Select the choice below that most accurately describes treatment of a deductible
under the HO-3 policy.
Select the single best answer:
A. The deductible may be partially absorbed.
B. The deductible may be completely absorbed.
C. The deductible is not applied to Fire Department Service Charges.
D. The deductible may be absorbed due to covered loss in excess of a coverage limit or
a special limit.
E. All the above are true. - ✔✔E. All the above are true.
✔✔The insured (HO-3 policy in force) is building a barn on property where he plans to
build a new home and move in the future. The property is not listed on the Declaration
Page. During the construction process he stores construction materials and supplies for
the barn in his detached garage at the insured premises. These building materials and
supplies are destroyed. They are not covered under Coverage A.
True or False - ✔✔True
✔✔Chuck Bailey has a HO-3 policy with Loss Settlement Provisions of A1 & B1. After
Chuck has made repairs to Coverage A items and replaced Coverage B items, claim
, payment (subject to any limit of liability) will be based upon which of the following
amounts?
Select the single best answer:
A. Salvage value
B. Replacement cost
C. Market value
D. \Original purchase price
E. Actual cash value - ✔✔Replacement cost
✔✔In the HO-3 policy, temporary repairs:
Select the single best answer:
A. Are available for reasonable and necessary costs incurred, caused by a loss insured.
B. Provide an additional amount of insurance for temporary repairs to covered property.
C. Are to protect the property from further immediate damage or loss.
D. A, B and C are correct.
E. A and C are correct - ✔✔E. A and C are correct
✔✔Option ID under the HO-3 applies to:
Select the single best answer:
A. The dwelling and other building structures
B. All covered structures
C. The dwelling
D. The dwelling and all other structures
E. Both A and D - ✔✔The dwelling and other building structures
✔✔Which of the following statements can apply to Debris Removal Coverage in the
HO-3 policy?
Select the single best answer:
A. Pay up to $500 in the aggregate for each loss to cover the reasonable expenses
incurred in the removal of tree debris from the residence premises when the tree has
caused a loss insured to Coverage A property.
B. We will pay the reasonable expenses incurred in the removal of debris of covered
property damaged by a loss insured. This expense is included in the limit applying to the
damaged property.
C. When the amount payable for the property damage plus the debris removal exceeds
the limit for the damaged property, an additional 5% of that limit is available for debris
removal expense.
D. All of the above
