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Texas Property and Casualty Insurance 2025,
insurance practice exam, P&C test bank, Texas
insurance exam prep, property casualty
questions, 2025 insurance test
Which part of an insurance policy describes the
responsibilities and obligations of both the insurance
company and the insured under the policy? -
.....ANSWER ...✔✔ Conditions
The limits of liability are found in which of the following
sections of a casualty policy? - .....ANSWER ...✔✔
Declarations
The _____ page in an insurance contract contains
information about the risk, the effective date of
coverage, deductible, premium amounts, coinsurance
percentage, and location of the insured property. -
.....ANSWER ...✔✔ Declarations
The insured is looking for the amount of coverage in a
property and casualty policy. This information would be
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found in the ______. - .....ANSWER ...✔✔
declarations
The coverages offered by an insurance policy are
described in the ____. - .....ANSWER ...✔✔ insuring
agreement
The purpose of the conditions section of an insurance
policy is to list the ____ of the insured and the insurance
company. - .....ANSWER ...✔✔ obligations
The list of perils covered under a policy is found in which
part of the policy? - .....ANSWER ...✔✔ Insuring
agreement
The Declarations page consists of 5 P's. Person or
property, policy number, policy term, policy limit and
____. - .....ANSWER ...✔✔ premium
The Insuring agreement describes coverage provided
and which ____ are covered. - .....ANSWER ...✔✔
perils
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Lost rent is covered by _____. Limited by 20% of
coverage A. - .....ANSWER ...✔✔ Coverage D
Under which of the dwelling forms may the insured be
reimbursed for the replacement cost of a dwelling when
it is destroyed? - .....ANSWER ...✔✔ DP-2 and DP-3
The insured has a DP-3 covering a home that has a
replacement value of $100,000. The insured carries
$60,000 of insurance. Following a loss, it is determined
that it would cost $12,000 to replace the damaged
portion of the home. How much could the insured collect,
assuming the ACV of the loss is $6,000? - .....ANSWER
...✔✔ $9000
Damage to covered property caused by glass
breakage is covered in ___. - .....ANSWER ...✔✔ DP2
and DP3
Which dwelling forms pay losses to dwellings and other
structures on an actual cash value basis? - .....ANSWER
...✔✔ DP1
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Which dwelling forms pay losses to personal property
on an actual cash value basis? - .....ANSWER ...✔✔
DP1, DP2 and DP3
Would an earthquake that causes a fire that destroys
an insured's home be covered by a DP1? - .....ANSWER
...✔✔ yes
A dwelling policy with no endorsements attached
contains personal property coverage, dwelling
coverage and _____. - .....ANSWER ...✔✔ medical
payments coverage
An unendorsed dwelling policy contains the dwelling,
other structures, personal property, and _____. -
.....ANSWER ...✔✔ fair rental value
Other coverage included in all dwelling forms are fire
department service charges, debris removal, reasonable
repairs, and _____ limited to 10% of coverage C. -
.....ANSWER ...✔✔ glass safety material
Does the DP1 provides coverage for appurtenant
structures? - .....ANSWER ...✔✔ yes
Texas Property and Casualty Insurance 2025,
insurance practice exam, P&C test bank, Texas
insurance exam prep, property casualty
questions, 2025 insurance test
Which part of an insurance policy describes the
responsibilities and obligations of both the insurance
company and the insured under the policy? -
.....ANSWER ...✔✔ Conditions
The limits of liability are found in which of the following
sections of a casualty policy? - .....ANSWER ...✔✔
Declarations
The _____ page in an insurance contract contains
information about the risk, the effective date of
coverage, deductible, premium amounts, coinsurance
percentage, and location of the insured property. -
.....ANSWER ...✔✔ Declarations
The insured is looking for the amount of coverage in a
property and casualty policy. This information would be
,2|Page
found in the ______. - .....ANSWER ...✔✔
declarations
The coverages offered by an insurance policy are
described in the ____. - .....ANSWER ...✔✔ insuring
agreement
The purpose of the conditions section of an insurance
policy is to list the ____ of the insured and the insurance
company. - .....ANSWER ...✔✔ obligations
The list of perils covered under a policy is found in which
part of the policy? - .....ANSWER ...✔✔ Insuring
agreement
The Declarations page consists of 5 P's. Person or
property, policy number, policy term, policy limit and
____. - .....ANSWER ...✔✔ premium
The Insuring agreement describes coverage provided
and which ____ are covered. - .....ANSWER ...✔✔
perils
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Lost rent is covered by _____. Limited by 20% of
coverage A. - .....ANSWER ...✔✔ Coverage D
Under which of the dwelling forms may the insured be
reimbursed for the replacement cost of a dwelling when
it is destroyed? - .....ANSWER ...✔✔ DP-2 and DP-3
The insured has a DP-3 covering a home that has a
replacement value of $100,000. The insured carries
$60,000 of insurance. Following a loss, it is determined
that it would cost $12,000 to replace the damaged
portion of the home. How much could the insured collect,
assuming the ACV of the loss is $6,000? - .....ANSWER
...✔✔ $9000
Damage to covered property caused by glass
breakage is covered in ___. - .....ANSWER ...✔✔ DP2
and DP3
Which dwelling forms pay losses to dwellings and other
structures on an actual cash value basis? - .....ANSWER
...✔✔ DP1
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Which dwelling forms pay losses to personal property
on an actual cash value basis? - .....ANSWER ...✔✔
DP1, DP2 and DP3
Would an earthquake that causes a fire that destroys
an insured's home be covered by a DP1? - .....ANSWER
...✔✔ yes
A dwelling policy with no endorsements attached
contains personal property coverage, dwelling
coverage and _____. - .....ANSWER ...✔✔ medical
payments coverage
An unendorsed dwelling policy contains the dwelling,
other structures, personal property, and _____. -
.....ANSWER ...✔✔ fair rental value
Other coverage included in all dwelling forms are fire
department service charges, debris removal, reasonable
repairs, and _____ limited to 10% of coverage C. -
.....ANSWER ...✔✔ glass safety material
Does the DP1 provides coverage for appurtenant
structures? - .....ANSWER ...✔✔ yes
