WebCE Practice Test – Free
Sample Questions for Nurses &
NPs 2025
Ned just bought a homeowners policy from Main Street Insurance Company. However, he did not
disclose that he operated a lawn mower repair business in his garage and that he employed two
mechanics. On what grounds might the insurer deny coverage in the event of a claim?
- warranty violation
- waiver and estoppel
- concealment
- failure to indemnify - ANSWER ✨✔---- concealment
Explanation:
Concealment is the deliberate withholding of material facts. If the concealed facts about the lawnmower
repair business and employees would have changed the insurer's decision to offer the insurance policy,
the insurer may void the insurance contract if the failure to disclose information was intentional and the
withheld information concerned a material fact.
,Which of the following statements correctly describes the earthquake coverage in a standard property
insurance policy?
- Earthquake damage is covered.
- Earthquake damage cannot be covered under any circumstances.
- It is excluded only in select geographical regions, but otherwise is a covered peril.
- It is generally excluded but may be covered by endorsement. - ANSWER ✨✔---- It is generally
excluded but may be covered by endorsement.
Explanation:
Property insurance policies contain an earthquake exclusion and only offer coverage by endorsement.
Which of the following is not true if a driver is covered under the Personal Auto Insurance Plan?
- The driver must accept physical damage based on actual cash value
- The driver must prove he or she was declined for coverage in the last 60 days
- The driver must fall into one of the categories of ineligible drivers defined under the law
- The driver can purchase either a standard or a basic insurance policy. - ANSWER ✨✔---- The
driver must fall into one of the categories of ineligible drivers defined under the law
Explanation:
The PAIP often covers drivers that are ineligible-for example they have too many point-but it is not a
requisite. Anyone who has been declined in the voluntary market can be covered
Candace submitted an application for a producer license and paid the licensing fee on June 1. She also
obtained a temporary work authority on the same date. When will Candace's work authority expire?
- June 30
- July 30
- August 30
- November 30 - ANSWER ✨✔---- July 30
Explanation:
, The Commissioner may issue a temporary work authority which allows an applicant to work for 60 days
after submitting an application. (In contrast, a temporary substitute authority given to someone to act in
place of a disabled or deceased producer lasts 180 days.)
All of the following are elements of negligence EXCEPT:
- duty of care
- breach of the duty of care
- intent
- damages - ANSWER ✨✔---- intent
Explanation:
The four elements of negligence are a duty of care, breach of that duty of care, causation, and damages
(in other words, a loss or injury) resulting from the breach. Negligence does not require intent on the
defendant's part.
Under the DP 1 Basic Form of the dwelling policy, coverage for vandalism and malicious mischief is
available only if coverage is purchased for:
- fire
- explosion
- extended coverage perils
- theft - ANSWER ✨✔---- extended coverage perils
Explanation:
Coverage for vandalism and malicious mischief may only be purchased on a DP 1 Basic Form if the
Extended Coverage perils are also purchased.
Which of the standard homeowners policies includes malicious mischief as a named peril?
- only HO 3
- all forms except HO 5 and HO 8
- all forms except HO 5
- all forms - ANSWER ✨✔---- all forms except HO 5
Sample Questions for Nurses &
NPs 2025
Ned just bought a homeowners policy from Main Street Insurance Company. However, he did not
disclose that he operated a lawn mower repair business in his garage and that he employed two
mechanics. On what grounds might the insurer deny coverage in the event of a claim?
- warranty violation
- waiver and estoppel
- concealment
- failure to indemnify - ANSWER ✨✔---- concealment
Explanation:
Concealment is the deliberate withholding of material facts. If the concealed facts about the lawnmower
repair business and employees would have changed the insurer's decision to offer the insurance policy,
the insurer may void the insurance contract if the failure to disclose information was intentional and the
withheld information concerned a material fact.
,Which of the following statements correctly describes the earthquake coverage in a standard property
insurance policy?
- Earthquake damage is covered.
- Earthquake damage cannot be covered under any circumstances.
- It is excluded only in select geographical regions, but otherwise is a covered peril.
- It is generally excluded but may be covered by endorsement. - ANSWER ✨✔---- It is generally
excluded but may be covered by endorsement.
Explanation:
Property insurance policies contain an earthquake exclusion and only offer coverage by endorsement.
Which of the following is not true if a driver is covered under the Personal Auto Insurance Plan?
- The driver must accept physical damage based on actual cash value
- The driver must prove he or she was declined for coverage in the last 60 days
- The driver must fall into one of the categories of ineligible drivers defined under the law
- The driver can purchase either a standard or a basic insurance policy. - ANSWER ✨✔---- The
driver must fall into one of the categories of ineligible drivers defined under the law
Explanation:
The PAIP often covers drivers that are ineligible-for example they have too many point-but it is not a
requisite. Anyone who has been declined in the voluntary market can be covered
Candace submitted an application for a producer license and paid the licensing fee on June 1. She also
obtained a temporary work authority on the same date. When will Candace's work authority expire?
- June 30
- July 30
- August 30
- November 30 - ANSWER ✨✔---- July 30
Explanation:
, The Commissioner may issue a temporary work authority which allows an applicant to work for 60 days
after submitting an application. (In contrast, a temporary substitute authority given to someone to act in
place of a disabled or deceased producer lasts 180 days.)
All of the following are elements of negligence EXCEPT:
- duty of care
- breach of the duty of care
- intent
- damages - ANSWER ✨✔---- intent
Explanation:
The four elements of negligence are a duty of care, breach of that duty of care, causation, and damages
(in other words, a loss or injury) resulting from the breach. Negligence does not require intent on the
defendant's part.
Under the DP 1 Basic Form of the dwelling policy, coverage for vandalism and malicious mischief is
available only if coverage is purchased for:
- fire
- explosion
- extended coverage perils
- theft - ANSWER ✨✔---- extended coverage perils
Explanation:
Coverage for vandalism and malicious mischief may only be purchased on a DP 1 Basic Form if the
Extended Coverage perils are also purchased.
Which of the standard homeowners policies includes malicious mischief as a named peril?
- only HO 3
- all forms except HO 5 and HO 8
- all forms except HO 5
- all forms - ANSWER ✨✔---- all forms except HO 5
