STATE FARM AUTO ADJUSTER COMPREHENSIVE EXAM
SHEET 2025/2026 QUESTIONS AND ANSWERS GRADED
A++
✔✔Coverage c is - ✔✔loss of use
✔✔Credit Card, Bank Fund Transfer Card, Forgery and
Counterfeit Money pay up to ________
There is __________ - ✔✔$1000 and there is no deductible for this coverage
✔✔Power Interruption is covered due to _____ and if______ - ✔✔covered accidental
direct physical
loss caused directly or indirectly by a change of temperature which results from power
interruption that takes place on the residence premises.
The power lines off the residence
premises must remain energized.
✔✔Refrigerated Products are covered due to - ✔✔Power failure or mechanical failure
✔✔Arson Reward. - ✔✔$1000
✔✔If one or more volcanic eruptions that occur within a 72-hour period they shall be
considered - ✔✔one volcanic eruption.
✔✔Locks- We will pay the reasonable expenses you incur
to re-key locks on exterior doors of the dwelling located on the residence premises: -
✔✔when the keys to those locks are a part of a covered theft loss. No deductible
applies to this coverage.
✔✔Coverage B insures - ✔✔1.Fire
2.windstorm/hail
3.Explosion
4.Riot
5.Aircraft
6.Vehicles
7.Smoke
8.Vandalism
9.Theft
10.Falling objects
11.Weight of ice/snow
12.Sudden and accidental discharge of overflow (cant be caused by freezing, coverage
not applied to system or appliances from which water escaped)
13. Sudden and accidental tearing asunder, cracking, burning, bulging.
, 14.freezing unless premises vacant
15. sudden and accidental damage to electrical appliances, devices, fixtures (up to
1000)
16. breakage of glass
✔✔Loss settlement for replacements or repairs are - ✔✔acv first and then RV
✔✔Loss settlement for fences will be at - ✔✔actual cash value
✔✔2. Property intended for business in and off premises - ✔✔$1,000 on property used
or intended for use in a
business while on premises AND ONLY $250 OUT OF PREMISES
This coverage is limited to $250 on
such property away from the residence premises.
✔✔3.securities, checks etc - ✔✔$1000 securities, checks etc
✔✔4.watercraft, trailers. etc - ✔✔$1000 for watercraft, trailers. etc
✔✔5. trailers not used with watercraft - ✔✔$1000 trailers not used with watercraft
✔✔6. on stamps, trading cards and comic books,
including any of these that are a part of a collection; - ✔✔$2,500 on stamps, trading
cards and comic books,
including any of these that are a part of a collection;
✔✔7.for loss by theft of firearms - ✔✔$2,500 for loss by theft of firearms;
✔✔8.for loss by theft of silverware and goldware - ✔✔$2,500 for loss by theft of
silverware and goldware;
✔✔9.on electronic data - ✔✔$5,000 on electronic data while on premises unless it is
moved for repair
✔✔10.______ on any one article and _____ in the aggregate for loss by theft of any
rug, carpet (except wall to wall carpet) - ✔✔$5,000 on any one article and $10,000 in
the aggregate for loss by theft of any rug, carpet (except wall to wall carpet)
✔✔Provision AL - ✔✔Additional insured
Coverage is with respect to: Cov. A, B, or C; or 2. SECTION II - Coverage L and
Coverage M only with respect to residence premises and NOT to bodily injury
✔✔Provision BP - ✔✔Business property
SHEET 2025/2026 QUESTIONS AND ANSWERS GRADED
A++
✔✔Coverage c is - ✔✔loss of use
✔✔Credit Card, Bank Fund Transfer Card, Forgery and
Counterfeit Money pay up to ________
There is __________ - ✔✔$1000 and there is no deductible for this coverage
✔✔Power Interruption is covered due to _____ and if______ - ✔✔covered accidental
direct physical
loss caused directly or indirectly by a change of temperature which results from power
interruption that takes place on the residence premises.
The power lines off the residence
premises must remain energized.
✔✔Refrigerated Products are covered due to - ✔✔Power failure or mechanical failure
✔✔Arson Reward. - ✔✔$1000
✔✔If one or more volcanic eruptions that occur within a 72-hour period they shall be
considered - ✔✔one volcanic eruption.
✔✔Locks- We will pay the reasonable expenses you incur
to re-key locks on exterior doors of the dwelling located on the residence premises: -
✔✔when the keys to those locks are a part of a covered theft loss. No deductible
applies to this coverage.
✔✔Coverage B insures - ✔✔1.Fire
2.windstorm/hail
3.Explosion
4.Riot
5.Aircraft
6.Vehicles
7.Smoke
8.Vandalism
9.Theft
10.Falling objects
11.Weight of ice/snow
12.Sudden and accidental discharge of overflow (cant be caused by freezing, coverage
not applied to system or appliances from which water escaped)
13. Sudden and accidental tearing asunder, cracking, burning, bulging.
, 14.freezing unless premises vacant
15. sudden and accidental damage to electrical appliances, devices, fixtures (up to
1000)
16. breakage of glass
✔✔Loss settlement for replacements or repairs are - ✔✔acv first and then RV
✔✔Loss settlement for fences will be at - ✔✔actual cash value
✔✔2. Property intended for business in and off premises - ✔✔$1,000 on property used
or intended for use in a
business while on premises AND ONLY $250 OUT OF PREMISES
This coverage is limited to $250 on
such property away from the residence premises.
✔✔3.securities, checks etc - ✔✔$1000 securities, checks etc
✔✔4.watercraft, trailers. etc - ✔✔$1000 for watercraft, trailers. etc
✔✔5. trailers not used with watercraft - ✔✔$1000 trailers not used with watercraft
✔✔6. on stamps, trading cards and comic books,
including any of these that are a part of a collection; - ✔✔$2,500 on stamps, trading
cards and comic books,
including any of these that are a part of a collection;
✔✔7.for loss by theft of firearms - ✔✔$2,500 for loss by theft of firearms;
✔✔8.for loss by theft of silverware and goldware - ✔✔$2,500 for loss by theft of
silverware and goldware;
✔✔9.on electronic data - ✔✔$5,000 on electronic data while on premises unless it is
moved for repair
✔✔10.______ on any one article and _____ in the aggregate for loss by theft of any
rug, carpet (except wall to wall carpet) - ✔✔$5,000 on any one article and $10,000 in
the aggregate for loss by theft of any rug, carpet (except wall to wall carpet)
✔✔Provision AL - ✔✔Additional insured
Coverage is with respect to: Cov. A, B, or C; or 2. SECTION II - Coverage L and
Coverage M only with respect to residence premises and NOT to bodily injury
✔✔Provision BP - ✔✔Business property
