New York State Insurance
Brokers Test Questions and
Answers 100% PASS
Damage to insured property caused by earth movement or earthquake is covered under
which of the following homeowners forms
A. HO2
B. HO5
C. None
D. HO3—ANSWER--C. None
To be eligible for coverage under the National Flood Insurance Program, an insured must live
in which of the following communities?
A. That has met the minimum population requirements
B. That is surrounded by water
C. That gets flooded at least annually
,D. That has met the minimum floodplan management guidelines—ANSWER--D. That has
met the minimum floodplan management guidelines
A copy of the Total Cost Form which must be provided to every insured for each excess line
policy will be provided by the surplus lines broker.
A. Upon the initial solicitation for placement of coverage by the broker
B. Prior to binding coverage for a given risk
C. At the time of application for coverage of a given risk
D. At the time of delivery of the policy covering the risk—ANSWER--B. Prior to binding
coverage for a given risk
An insurance agent was born in 1983. He obtained his New York Insurance license in 2014.
When will the agent's license expire?
A. On the agent's birthday every odd-numbered year
B. January 1st every odd-numbered year
C. Every year on the license issue date
D. Every 2 even-numbered years—ANSWER--A. On the agent's birthday every odd-
numbered year
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
, An insured relocated to another state for work. However, she still owns and insures a house
in this state, but has had no one living in it for 3 months. She is also storing some furniture
and clothes in the house. From an insurance standpoint, the insured's house is considered
A. Condemned
B. Vacant
C. Unoccupied
D. Under Repair—ANSWER--C. Unoccupied
When would uninsured motorist coverage apply?
A. Any time the insured is involved in an accident with an uninsured driver.
B. Only when the insured is legally liable
C. Only when the insured drives an uninsured car
D. Only when the other party is legally liable but has no insurance—ANSWER--D. Only when
the other party is legally liable but has no insurance
New York Insurance Law requires for an excess lines broker to demonstrate that at least 3
licensed insurers that write the specific type of insurance have
A. Prepared specialized rate quotes for the given risk
B. Reviewed the risk analysis statement for coverage.
Brokers Test Questions and
Answers 100% PASS
Damage to insured property caused by earth movement or earthquake is covered under
which of the following homeowners forms
A. HO2
B. HO5
C. None
D. HO3—ANSWER--C. None
To be eligible for coverage under the National Flood Insurance Program, an insured must live
in which of the following communities?
A. That has met the minimum population requirements
B. That is surrounded by water
C. That gets flooded at least annually
,D. That has met the minimum floodplan management guidelines—ANSWER--D. That has
met the minimum floodplan management guidelines
A copy of the Total Cost Form which must be provided to every insured for each excess line
policy will be provided by the surplus lines broker.
A. Upon the initial solicitation for placement of coverage by the broker
B. Prior to binding coverage for a given risk
C. At the time of application for coverage of a given risk
D. At the time of delivery of the policy covering the risk—ANSWER--B. Prior to binding
coverage for a given risk
An insurance agent was born in 1983. He obtained his New York Insurance license in 2014.
When will the agent's license expire?
A. On the agent's birthday every odd-numbered year
B. January 1st every odd-numbered year
C. Every year on the license issue date
D. Every 2 even-numbered years—ANSWER--A. On the agent's birthday every odd-
numbered year
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
, An insured relocated to another state for work. However, she still owns and insures a house
in this state, but has had no one living in it for 3 months. She is also storing some furniture
and clothes in the house. From an insurance standpoint, the insured's house is considered
A. Condemned
B. Vacant
C. Unoccupied
D. Under Repair—ANSWER--C. Unoccupied
When would uninsured motorist coverage apply?
A. Any time the insured is involved in an accident with an uninsured driver.
B. Only when the insured is legally liable
C. Only when the insured drives an uninsured car
D. Only when the other party is legally liable but has no insurance—ANSWER--D. Only when
the other party is legally liable but has no insurance
New York Insurance Law requires for an excess lines broker to demonstrate that at least 3
licensed insurers that write the specific type of insurance have
A. Prepared specialized rate quotes for the given risk
B. Reviewed the risk analysis statement for coverage.
