FLORIDA PERSONAL LINES EXAM QUESTIONS
WITH CORRECT ANSWERS 2025/2026
Under Part A of a Personal Auto Policy, which of the following losses would be covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the insured
D.) Damage to the home the insured owns - CORRECT ANSWER -B.) Damage to a neighbor's
parked car
Which of the following is true regarding the Fine Arts Floater?
A.) Coverage is limited to the United States, Canada, and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired items for 90 days
D.) It settles losses on an ACV basis - CORRECT ANSWER -C.) It provides automatic coverage on
newly acquired items for 90 days
All of the following statements are correct about a Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental business
C.) A Homeowners Policy will not cover theft of a boat away from premises
D.) Coverage D of a Homeowners Policy covers additional living expenses - CORRECT ANSWER -
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental business
,Under disability income insurance, a monthly benefit will be ________ of the insured's monthly
income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - CORRECT ANSWER -B.) 66 2/3%
All of the following items of property are considered property not covered under Coverage C of
a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - CORRECT ANSWER -B.) Personal property of a guest
Which of the following is NOT a purpose of licensing?
A.) For the applicant to be familiar with the Florida insurance laws
B.) To authorize and enable the licensee to actively and in good faith engage in the insurance
business as an agent
C.) To facilitate the public supervision of such activities in the public interest
D.) To authorize the agent to insure risks - CORRECT ANSWER -D.) To authorize the agent to
insure risks
Liability coverage provided by a Personal Auto policy would cover which of the following
damages?
,A.) Damage to property being transported by the insured in a covered auto
B.) Damage to a private garage rented to the insured, caused by the insured's child driving a
covered auto
C.) Damage to a neighbor's riding lawn mower that is in the care of the insured
D.) Damage to a storefront caused by a valet driver operating a covered auto - CORRECT
ANSWER -B.) Damage to a private garage rented to the insured, caused by the insured's child
driving a covered auto
Which policy provision omits certain risks from coverage?
A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations - CORRECT ANSWER -C.) Exclusions
When an underlying policy does not cover a particular loss, the insured's Umbrella Liability
policy will drop down and cover the entire loss, after payment by the insured of a:
A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission - CORRECT ANSWER -B.) Self-insured retention
Liability coverage may be provided by a Homeowners policy for the insured's use of which of
the following watercraft?
, A.) 20-foot sailing boat
B.) Private yacht owned by the insured
C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser - CORRECT ANSWER -A.) 20-foot sailing boat
An insured owns a home with a replacement cost of $300,000 and a market value of $250,000.
What is the most a valued policy will pay in the event of a total loss without a deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000 - CORRECT ANSWER -C.) The policy limit
Policyholder J hit a deer with their Honda. J has collision coverage with a $250 deductible and
other than collision coverage with a $50 deductible. The damage to J's car was $450. How much
will the policy pay?
A.) $200
B.) Nothing
C.) $400
D.) $150 - CORRECT ANSWER -C.) $400
Under all the Dwelling Forms, the dwelling described in the Declarations is covered under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
WITH CORRECT ANSWERS 2025/2026
Under Part A of a Personal Auto Policy, which of the following losses would be covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the insured
D.) Damage to the home the insured owns - CORRECT ANSWER -B.) Damage to a neighbor's
parked car
Which of the following is true regarding the Fine Arts Floater?
A.) Coverage is limited to the United States, Canada, and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired items for 90 days
D.) It settles losses on an ACV basis - CORRECT ANSWER -C.) It provides automatic coverage on
newly acquired items for 90 days
All of the following statements are correct about a Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental business
C.) A Homeowners Policy will not cover theft of a boat away from premises
D.) Coverage D of a Homeowners Policy covers additional living expenses - CORRECT ANSWER -
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental business
,Under disability income insurance, a monthly benefit will be ________ of the insured's monthly
income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - CORRECT ANSWER -B.) 66 2/3%
All of the following items of property are considered property not covered under Coverage C of
a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - CORRECT ANSWER -B.) Personal property of a guest
Which of the following is NOT a purpose of licensing?
A.) For the applicant to be familiar with the Florida insurance laws
B.) To authorize and enable the licensee to actively and in good faith engage in the insurance
business as an agent
C.) To facilitate the public supervision of such activities in the public interest
D.) To authorize the agent to insure risks - CORRECT ANSWER -D.) To authorize the agent to
insure risks
Liability coverage provided by a Personal Auto policy would cover which of the following
damages?
,A.) Damage to property being transported by the insured in a covered auto
B.) Damage to a private garage rented to the insured, caused by the insured's child driving a
covered auto
C.) Damage to a neighbor's riding lawn mower that is in the care of the insured
D.) Damage to a storefront caused by a valet driver operating a covered auto - CORRECT
ANSWER -B.) Damage to a private garage rented to the insured, caused by the insured's child
driving a covered auto
Which policy provision omits certain risks from coverage?
A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations - CORRECT ANSWER -C.) Exclusions
When an underlying policy does not cover a particular loss, the insured's Umbrella Liability
policy will drop down and cover the entire loss, after payment by the insured of a:
A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission - CORRECT ANSWER -B.) Self-insured retention
Liability coverage may be provided by a Homeowners policy for the insured's use of which of
the following watercraft?
, A.) 20-foot sailing boat
B.) Private yacht owned by the insured
C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser - CORRECT ANSWER -A.) 20-foot sailing boat
An insured owns a home with a replacement cost of $300,000 and a market value of $250,000.
What is the most a valued policy will pay in the event of a total loss without a deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000 - CORRECT ANSWER -C.) The policy limit
Policyholder J hit a deer with their Honda. J has collision coverage with a $250 deductible and
other than collision coverage with a $50 deductible. The damage to J's car was $450. How much
will the policy pay?
A.) $200
B.) Nothing
C.) $400
D.) $150 - CORRECT ANSWER -C.) $400
Under all the Dwelling Forms, the dwelling described in the Declarations is covered under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
