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Personal Lines Exam Simulator Questions with
100% Verified Answers 2025 | 2026
The insurer providing coverage under a Personal Auto Policy
may cancel the policy for any reason except discrimination
during which of the following time frames: - ANSWER The first
60 days
In a DP-1, which of the following coverages may be added by
endorsement? - ANSWER Additional living expenses
Florida's Financial Responsibility law is triggered by all of the
following EXCEPT: - ANSWER A speeding ticket for exceeding the
posted limit by 50 mph
Policies issued through the Citizens Property Insurance
Corporation may be replaced at any time during the policy
period if coverage becomes available by an authorized insurer.
How many days' notice is required to replace a policy? -
ANSWER 60days
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A Customer Representative is appointed by which of the
following: - ANSWER An insurance agency
General Lines Agents who hold a CLU or CPCU designation and
have been licensed for 25 years must satisfy continuing
education. How many hours are they required to complete? -
ANSWER 10 hours
All of the following are prohibited as unfair methods of
competition and unfair or deceptive acts or practices under
Florida law except: (Sliding,
Unlawful rebating, Twisting) - ANSWER Advertising gifts under
$25
What is the maximum period of time for which an agent's
license may be suspended? - ANSWER 24 months
The situation in which an agent obtains a license for the
purpose of writing insurance only on family members or
business relationships is known as: - ANSWER Controlled
Business
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A 16-year old boy accidentally hits a neighbor in the head with a
baseball bat. The boy's uncle, who had custody of him for the
day, had a Homeowners policy. The uncle's liability coverage
will: - ANSWER Provide coverage, because the boy was under
21 and in the care, custody, and control of the insured
The quality within an object that results in the object's tending
to damage or destroy itself, is called: - ANSWER Inherent vice
With respect to Florida Statutes, "transacting insurance",
includes all of the following except: - ANSWER With respect to
Florida Statutes, "transacting insurance", includes all of the
following except:
Knowingly making any misleading representations or
incomplete or fraudulent comparisons of any insurance policy
with the intent of inducing a person to cancel any insurance
policy or allow it to lapse is known as: - ANSWER Twisting
What are the basic limits under Section II of a Homeowners
Policy? - ANSWER $100,000 per occurrence / $1,000 medical
payments
Personal Lines Exam Simulator Questions with
100% Verified Answers 2025 | 2026
The insurer providing coverage under a Personal Auto Policy
may cancel the policy for any reason except discrimination
during which of the following time frames: - ANSWER The first
60 days
In a DP-1, which of the following coverages may be added by
endorsement? - ANSWER Additional living expenses
Florida's Financial Responsibility law is triggered by all of the
following EXCEPT: - ANSWER A speeding ticket for exceeding the
posted limit by 50 mph
Policies issued through the Citizens Property Insurance
Corporation may be replaced at any time during the policy
period if coverage becomes available by an authorized insurer.
How many days' notice is required to replace a policy? -
ANSWER 60days
,2|Page
A Customer Representative is appointed by which of the
following: - ANSWER An insurance agency
General Lines Agents who hold a CLU or CPCU designation and
have been licensed for 25 years must satisfy continuing
education. How many hours are they required to complete? -
ANSWER 10 hours
All of the following are prohibited as unfair methods of
competition and unfair or deceptive acts or practices under
Florida law except: (Sliding,
Unlawful rebating, Twisting) - ANSWER Advertising gifts under
$25
What is the maximum period of time for which an agent's
license may be suspended? - ANSWER 24 months
The situation in which an agent obtains a license for the
purpose of writing insurance only on family members or
business relationships is known as: - ANSWER Controlled
Business
, 3|Page
A 16-year old boy accidentally hits a neighbor in the head with a
baseball bat. The boy's uncle, who had custody of him for the
day, had a Homeowners policy. The uncle's liability coverage
will: - ANSWER Provide coverage, because the boy was under
21 and in the care, custody, and control of the insured
The quality within an object that results in the object's tending
to damage or destroy itself, is called: - ANSWER Inherent vice
With respect to Florida Statutes, "transacting insurance",
includes all of the following except: - ANSWER With respect to
Florida Statutes, "transacting insurance", includes all of the
following except:
Knowingly making any misleading representations or
incomplete or fraudulent comparisons of any insurance policy
with the intent of inducing a person to cancel any insurance
policy or allow it to lapse is known as: - ANSWER Twisting
What are the basic limits under Section II of a Homeowners
Policy? - ANSWER $100,000 per occurrence / $1,000 medical
payments
