1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
AINS 102 Test Questions Exam comprehensive
questions and verified answers ACTUAL EXAM
2025 TEST!! Graded A+ | 2025|2026 EXAM
UPDATE
Save
Terms in this set (100)
John is a recent homeowner and is B. The detached garage
considering the insurance coverages
he needs for his home and contents.
If damaged by a peril covered by a
homeowners policy, which one of
the following would be considered
part of John's real property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment
Which one of the following is B. A house
considered real property?
Select one:
A. An automobile
B. A house
C. Furniture
D. A motorhome
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,1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
All of the following could lead to a A. The father trips on a broom he left lying in the
liability loss for a family, EXCEPT: driveway and breaks his arm.
Select one:
A. The father trips on a broom he left
lying in the driveway and breaks his
arm.
B. The son, who is 13 years old,
throws a rock at a classmate who
requires stitches for an injury to his
head.
C. A guest slips on an icy sidewalk in
front of the family's home and breaks
his leg.
D. The daughter, who is 16 years old,
sideswipes a neighbor's car and
dents its fender while driving her
own car.
Which one of the following is a form B. Special damages
of compensatory damages?
Select one:
A. Real damages
B. Special damages
C. Punitive damages
D. Exemplary damages
Which one of the following is used B. Tort liability system
by the majority of states to
compensate auto accident victims?
Select one:
A. Personal injury protection
coverage
B. Tort liability system
C. Uninsured motorist coverage
D. Unsatisfied judgment funds
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,1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
Which one of the following C. State regulators require that rates be adequate,
statements is true regarding reasonable, and not unfairly discriminatory.
automobile insurance rating?
Select one:
A. State regulators require that all
insurers offer discounts on auto rates
for passive restraints.
B. Most insurers base automobile
rates on primary rating factors and
do not consider any other factors in
establishing rates.
C. State regulators require that rates
be adequate, reasonable, and not
unfairly discriminatory.
D. Drivers with lower-than-average
loss exposure are charged higher
rates.
All of the following are true of the A. The HO-3 is designed for owners who occupy
HO-3 Special Form, EXCEPT: their dwelling or choose to rent it.
Select one:
A. The HO-3 is designed for owners
who occupy their dwelling or choose
to rent it.
B. The HO-3 meets the property and
liability coverage needs of most
families.
C. The HO-3 is typically used as a
basis for understanding other HO
coverage forms.
D. The HO-3 can be modified for
special needs through available
endorsements.
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, 1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
Estelle and Richie are very C. HO-5 Comprehensive Form
conservative and want to purchase
insurance to "cover everything" in
order to lessen the worries of home
ownership. Which one of the
following ISO forms will provide
them dwelling and personal
property insurance with the broadest
possible coverage?
Select one:
A. HO-2 Broad Form
B. HO-3 Special Form
C. HO-5 Comprehensive Form
D. HO-8 Modified Form
The Agreement and Definitions page C. A general agreement stating that the insurer is
of the Personal Auto Policy (PAP) providing the coverage subject to payment of
includes premium and to the terms of the policy.
Select one:
A. The name of the insurer issuing the
policy.
B. A general agreement stating the
insurer's duty to pay damages and
defense costs subject to the terms of
the policy.
C. A general agreement stating that
the insurer is providing the coverage
subject to payment of premium and
to the terms of the policy.
D. The name and mailing address of
the insured.
https://quizlet.com/1127515099/ains-102-test-questions-exam-comprehensive-questions-and-verified-answers-actual-exam-2025-test-graded-a-2025… 4/61
AINS 102 Test Questions Exam comprehensive
questions and verified answers ACTUAL EXAM
2025 TEST!! Graded A+ | 2025|2026 EXAM
UPDATE
Save
Terms in this set (100)
John is a recent homeowner and is B. The detached garage
considering the insurance coverages
he needs for his home and contents.
If damaged by a peril covered by a
homeowners policy, which one of
the following would be considered
part of John's real property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment
Which one of the following is B. A house
considered real property?
Select one:
A. An automobile
B. A house
C. Furniture
D. A motorhome
https://quizlet.com/1127515099/ains-102-test-questions-exam-comprehensive-questions-and-verified-answers-actual-exam-2025-test-graded-a-2025… 1/61
,1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
All of the following could lead to a A. The father trips on a broom he left lying in the
liability loss for a family, EXCEPT: driveway and breaks his arm.
Select one:
A. The father trips on a broom he left
lying in the driveway and breaks his
arm.
B. The son, who is 13 years old,
throws a rock at a classmate who
requires stitches for an injury to his
head.
C. A guest slips on an icy sidewalk in
front of the family's home and breaks
his leg.
D. The daughter, who is 16 years old,
sideswipes a neighbor's car and
dents its fender while driving her
own car.
Which one of the following is a form B. Special damages
of compensatory damages?
Select one:
A. Real damages
B. Special damages
C. Punitive damages
D. Exemplary damages
Which one of the following is used B. Tort liability system
by the majority of states to
compensate auto accident victims?
Select one:
A. Personal injury protection
coverage
B. Tort liability system
C. Uninsured motorist coverage
D. Unsatisfied judgment funds
https://quizlet.com/1127515099/ains-102-test-questions-exam-comprehensive-questions-and-verified-answers-actual-exam-2025-test-graded-a-2025… 2/61
,1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
Which one of the following C. State regulators require that rates be adequate,
statements is true regarding reasonable, and not unfairly discriminatory.
automobile insurance rating?
Select one:
A. State regulators require that all
insurers offer discounts on auto rates
for passive restraints.
B. Most insurers base automobile
rates on primary rating factors and
do not consider any other factors in
establishing rates.
C. State regulators require that rates
be adequate, reasonable, and not
unfairly discriminatory.
D. Drivers with lower-than-average
loss exposure are charged higher
rates.
All of the following are true of the A. The HO-3 is designed for owners who occupy
HO-3 Special Form, EXCEPT: their dwelling or choose to rent it.
Select one:
A. The HO-3 is designed for owners
who occupy their dwelling or choose
to rent it.
B. The HO-3 meets the property and
liability coverage needs of most
families.
C. The HO-3 is typically used as a
basis for understanding other HO
coverage forms.
D. The HO-3 can be modified for
special needs through available
endorsements.
https://quizlet.com/1127515099/ains-102-test-questions-exam-comprehensive-questions-and-verified-answers-actual-exam-2025-test-graded-a-2025… 3/61
, 1/6/26, 7:20 AM AINS 102 Test Questions Exam comprehensive questions and verified answers ACTUAL EXAM 2025 TEST!! Graded A+ | 2025|2026…
Estelle and Richie are very C. HO-5 Comprehensive Form
conservative and want to purchase
insurance to "cover everything" in
order to lessen the worries of home
ownership. Which one of the
following ISO forms will provide
them dwelling and personal
property insurance with the broadest
possible coverage?
Select one:
A. HO-2 Broad Form
B. HO-3 Special Form
C. HO-5 Comprehensive Form
D. HO-8 Modified Form
The Agreement and Definitions page C. A general agreement stating that the insurer is
of the Personal Auto Policy (PAP) providing the coverage subject to payment of
includes premium and to the terms of the policy.
Select one:
A. The name of the insurer issuing the
policy.
B. A general agreement stating the
insurer's duty to pay damages and
defense costs subject to the terms of
the policy.
C. A general agreement stating that
the insurer is providing the coverage
subject to payment of premium and
to the terms of the policy.
D. The name and mailing address of
the insured.
https://quizlet.com/1127515099/ains-102-test-questions-exam-comprehensive-questions-and-verified-answers-actual-exam-2025-test-graded-a-2025… 4/61
