1|Page
FLORIDA 2-20 STATE EXAM AND PRACTICE EXAM (FINAL EXAM)
NEWEST 2025/2026 ACTUAL EXAM WITH COMPLETE QUESTIONS
AND CORRECT DETAILED ANSWERS (100% VERIFIED ANSWERS)
|ALREADY GRADED A+| ||PROFESSOR VERIFIED||
Coverage D — "Loss of Use" in the Homeowners policy (HO-3)
covers increases over normal living costs if damage from a
covered peril makes the residence _____________.
uninhabitable
unstable
unreliable
under-valued - ANSWER-uninhabitable
In the Homeowners Insurance Policy, what is the 'specific limits'
listed in the policy for the following classes of personal property:
securities; watercraft and related equipment; trailers; theft of
jewelry, watches, furs and precious stones; electronic apparatus
in a motorized vehicle; and electronics used primary for business
purposes while away from the residence premises?
$500
$1,500
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$3,500
$7,500 - ANSWER-$1,500
In the Dwelling Fire Policy Coverage D - Fair Rental Value
protects the insured for loss of fair rent IF:
the dwelling is damaged by a covered peril
the dwelling is uninhabitable
payments made compensate the insured only for the necessary
period of restoration
all of the above - ANSWER-all of the above
The Broad Form DP-2 policy includes all of the DP-1 coverages
and adds which of the following perils (choose as many as apply).
falling objects
weight of ice, snow or sleet
volcanic eruption
flooding
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nuclear
accidental discharge or overflow of water - ANSWER-falling
objects
weight of ice, snow or sleet
volcanic eruption
accidental discharge or overflow of water
The 'additional coverages' section of the Homeowners Insurance
Policy provides up to $_____ coverage for property damage to
property of others caused by the insured irrespective of legal
liability.
$100
$500
$1,000
$5,000 - ANSWER-$1,000
True or False? Symbol 31 showing Specified Causes of Loss
would cover fire damaged to an insured's tow truck.
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True
False - ANSWER-False
Which of the following perils are covered in the Garage policy's
Specified Causes of Loss coverage?
Wear and Tear
Mechanical Breakdown
Electrical Breakdown
None of the above - ANSWER-None of the Above
Betty Blander of Blander's Auto Beauties has asked if her Garage
Policy provides coverage for completed operations...
You advise your client that completed operations are covered
You advise your client that completed operations are not covered
You advise your client that the policy does not address completed
operations in any manner
FLORIDA 2-20 STATE EXAM AND PRACTICE EXAM (FINAL EXAM)
NEWEST 2025/2026 ACTUAL EXAM WITH COMPLETE QUESTIONS
AND CORRECT DETAILED ANSWERS (100% VERIFIED ANSWERS)
|ALREADY GRADED A+| ||PROFESSOR VERIFIED||
Coverage D — "Loss of Use" in the Homeowners policy (HO-3)
covers increases over normal living costs if damage from a
covered peril makes the residence _____________.
uninhabitable
unstable
unreliable
under-valued - ANSWER-uninhabitable
In the Homeowners Insurance Policy, what is the 'specific limits'
listed in the policy for the following classes of personal property:
securities; watercraft and related equipment; trailers; theft of
jewelry, watches, furs and precious stones; electronic apparatus
in a motorized vehicle; and electronics used primary for business
purposes while away from the residence premises?
$500
$1,500
,2|Page
$3,500
$7,500 - ANSWER-$1,500
In the Dwelling Fire Policy Coverage D - Fair Rental Value
protects the insured for loss of fair rent IF:
the dwelling is damaged by a covered peril
the dwelling is uninhabitable
payments made compensate the insured only for the necessary
period of restoration
all of the above - ANSWER-all of the above
The Broad Form DP-2 policy includes all of the DP-1 coverages
and adds which of the following perils (choose as many as apply).
falling objects
weight of ice, snow or sleet
volcanic eruption
flooding
,3|Page
nuclear
accidental discharge or overflow of water - ANSWER-falling
objects
weight of ice, snow or sleet
volcanic eruption
accidental discharge or overflow of water
The 'additional coverages' section of the Homeowners Insurance
Policy provides up to $_____ coverage for property damage to
property of others caused by the insured irrespective of legal
liability.
$100
$500
$1,000
$5,000 - ANSWER-$1,000
True or False? Symbol 31 showing Specified Causes of Loss
would cover fire damaged to an insured's tow truck.
, 4|Page
True
False - ANSWER-False
Which of the following perils are covered in the Garage policy's
Specified Causes of Loss coverage?
Wear and Tear
Mechanical Breakdown
Electrical Breakdown
None of the above - ANSWER-None of the Above
Betty Blander of Blander's Auto Beauties has asked if her Garage
Policy provides coverage for completed operations...
You advise your client that completed operations are covered
You advise your client that completed operations are not covered
You advise your client that the policy does not address completed
operations in any manner
