AD BANKER PROPERTY & CASUALTY
PRACTICE TEST EXAM(ACTUAL EXAM)
WITH CORRECT QUESTIONS AND WELL
ANSWERED ANSWERS LATEST 2025 - 2026
WELL GRADED A+
Insuring Agreement - ANSWERS-Which part of a property insurance
policy describes the perils?
A Proof of Loss - ANSWERS-The formal statement that verifies
details so the insurer can determine liability is called _ _____ __
____.
Only on-premises coverage is available - ANSWERS-All of the
following are true regarding the Broad Theft Endorsement on a
Dwelling policy, except:
,A. It applies only to owner occupied structures
B. It may be added to any of the Dwelling forms
C. It also includes vandalism resulting from theft
D. Only on-premises coverage is available
Bodily injury caused by an insured's activities while picnicking at a
city park - ANSWERS-Section II of a Homeowner's policy may cover
which of the following incidents?
A. Bodily injury caused by an insured's activities while picnicking at
a city park
B. An insured's guest damages the stair railing during a visit
C. The insured hits and injures a swimmer while enjoying a ride in
an owned inboard motorboat
D. The homeowner's family dog bites their 2 year old son
$1,500 for loss by theft - ANSWERS-Under the unendorsed
Homeowners Policy, jewelry is covered up to what amount?
Section II losses are subject to a standard $250 deductible -
ANSWERS-In respect to Section II of a Homeowners Policy, all of the
following are true, except:
, A. Individual and family cemetery plots qualify as an insured
location
B. Bodily injury or property damage arising from a vehicle used to
assist the handicapped, such as a wheelchair, is covered
C. Damage to Property of Others pays up to $1,000 per occurrence
D. Section II losses are subject to a standard $250 deductible
$1,250 - ANSWERS-An insured has a homeowners broad form with
a $200,000 limit on the dwelling and the standard deductible. If the
insured's $2,500 boat and trailer are stolen from his driveway, what
is the most the insured will collect from the policy?
Property of the insured - ANSWERS-All of the following are covered
under Section II of the Homeowners Policy, except:
A. Medical expenses for an accident arising out of the premises or
non-business activities of an insured
B. The insured's liability for bodily injury to others
C. Property of the insured
D. The insured's liability for damages to property of others
Bodily Injury to a guest caused by the insured's pet dog - ANSWERS-
Coverage E of a Homeowners Policy would cover which of the
following?
PRACTICE TEST EXAM(ACTUAL EXAM)
WITH CORRECT QUESTIONS AND WELL
ANSWERED ANSWERS LATEST 2025 - 2026
WELL GRADED A+
Insuring Agreement - ANSWERS-Which part of a property insurance
policy describes the perils?
A Proof of Loss - ANSWERS-The formal statement that verifies
details so the insurer can determine liability is called _ _____ __
____.
Only on-premises coverage is available - ANSWERS-All of the
following are true regarding the Broad Theft Endorsement on a
Dwelling policy, except:
,A. It applies only to owner occupied structures
B. It may be added to any of the Dwelling forms
C. It also includes vandalism resulting from theft
D. Only on-premises coverage is available
Bodily injury caused by an insured's activities while picnicking at a
city park - ANSWERS-Section II of a Homeowner's policy may cover
which of the following incidents?
A. Bodily injury caused by an insured's activities while picnicking at
a city park
B. An insured's guest damages the stair railing during a visit
C. The insured hits and injures a swimmer while enjoying a ride in
an owned inboard motorboat
D. The homeowner's family dog bites their 2 year old son
$1,500 for loss by theft - ANSWERS-Under the unendorsed
Homeowners Policy, jewelry is covered up to what amount?
Section II losses are subject to a standard $250 deductible -
ANSWERS-In respect to Section II of a Homeowners Policy, all of the
following are true, except:
, A. Individual and family cemetery plots qualify as an insured
location
B. Bodily injury or property damage arising from a vehicle used to
assist the handicapped, such as a wheelchair, is covered
C. Damage to Property of Others pays up to $1,000 per occurrence
D. Section II losses are subject to a standard $250 deductible
$1,250 - ANSWERS-An insured has a homeowners broad form with
a $200,000 limit on the dwelling and the standard deductible. If the
insured's $2,500 boat and trailer are stolen from his driveway, what
is the most the insured will collect from the policy?
Property of the insured - ANSWERS-All of the following are covered
under Section II of the Homeowners Policy, except:
A. Medical expenses for an accident arising out of the premises or
non-business activities of an insured
B. The insured's liability for bodily injury to others
C. Property of the insured
D. The insured's liability for damages to property of others
Bodily Injury to a guest caused by the insured's pet dog - ANSWERS-
Coverage E of a Homeowners Policy would cover which of the
following?
