GUARANTEE EXAMFX, IDAHO PERSONAL
LINES SIMULATION EXAM LATEST UPDATE
WITH VERIFIED QUESTIONS AND ANSWERS
[ GRADED A+]
In the last 72 hours, there were 3 instances of volcanic eruptions that
damaged a property covered by a dwelling policy. How many
deductibles will the insured have to pay before the policy covers the
damages caused by the eruptions?
1. Zero
2. One
3. Two
©morren2024/2025.Year published 2024.
,4. Three - ✔✔one
In a personal auto policy (PAP), a covered auto includes all of the
following EXCEPT
1. A trailer owned by the insured.
2. A farm implement being towed behind the insured's pickup.
3. A nonowned temporary substitute vehicle.
4. A van used in the delivery business. - ✔✔A van used in the delivery
business.
Which of the following would NOT be covered as a loss under Coverage
D of a homeowners policy?
1. An insured has an apartment in his home. The tenant's negligence
started a fire, and the apartment was not fit to live in for 4 months
while repairs were being completed.
©morren2024/2025.Year published 2024.
,2. After a fire in a building next to the insured's home, the insured could
not occupy his home, and had to stay at a motel for one week.
3. An insured's home is damaged by fire. The insured incurs expenses
for living in a motel and having meals in a restaurant while repairs are
made.
4. An insured leased a dwelling for 5 years. Two years later, the
property owner died, and the new property owners wanted to make
the property their principal residence, so the lease was canceled. -
✔✔An insured leased a dwelling for 5 years. Two years later, the
property owner died, and the new property owners wanted to make
the property their principal residence, so the lease was
canceled.
An insurance policy form that lists specific covered perils provides
1. Special peril coverage.
©morren2024/2025.Year published 2024.
, 2. Blanket coverage.
3. Named peril coverage.
4. Open peril coverage. - ✔✔Named peril coverage.
An insured is injured while driving his own car. Which of the following
coverages will pay for the loss?
1. Part A-Liability
2. Part B - Medical Payments
3. Part C - Uninsured Motorist
4. Part D-Damage to Your Auto - ✔✔Part B - Medical Payments
An insured believes that his insurer is not properly fulfilling its
obligations regarding his policy. What section of the policy will give the
insured more information about specific duties of the insurer?
©morren2024/2025.Year published 2024.
LINES SIMULATION EXAM LATEST UPDATE
WITH VERIFIED QUESTIONS AND ANSWERS
[ GRADED A+]
In the last 72 hours, there were 3 instances of volcanic eruptions that
damaged a property covered by a dwelling policy. How many
deductibles will the insured have to pay before the policy covers the
damages caused by the eruptions?
1. Zero
2. One
3. Two
©morren2024/2025.Year published 2024.
,4. Three - ✔✔one
In a personal auto policy (PAP), a covered auto includes all of the
following EXCEPT
1. A trailer owned by the insured.
2. A farm implement being towed behind the insured's pickup.
3. A nonowned temporary substitute vehicle.
4. A van used in the delivery business. - ✔✔A van used in the delivery
business.
Which of the following would NOT be covered as a loss under Coverage
D of a homeowners policy?
1. An insured has an apartment in his home. The tenant's negligence
started a fire, and the apartment was not fit to live in for 4 months
while repairs were being completed.
©morren2024/2025.Year published 2024.
,2. After a fire in a building next to the insured's home, the insured could
not occupy his home, and had to stay at a motel for one week.
3. An insured's home is damaged by fire. The insured incurs expenses
for living in a motel and having meals in a restaurant while repairs are
made.
4. An insured leased a dwelling for 5 years. Two years later, the
property owner died, and the new property owners wanted to make
the property their principal residence, so the lease was canceled. -
✔✔An insured leased a dwelling for 5 years. Two years later, the
property owner died, and the new property owners wanted to make
the property their principal residence, so the lease was
canceled.
An insurance policy form that lists specific covered perils provides
1. Special peril coverage.
©morren2024/2025.Year published 2024.
, 2. Blanket coverage.
3. Named peril coverage.
4. Open peril coverage. - ✔✔Named peril coverage.
An insured is injured while driving his own car. Which of the following
coverages will pay for the loss?
1. Part A-Liability
2. Part B - Medical Payments
3. Part C - Uninsured Motorist
4. Part D-Damage to Your Auto - ✔✔Part B - Medical Payments
An insured believes that his insurer is not properly fulfilling its
obligations regarding his policy. What section of the policy will give the
insured more information about specific duties of the insurer?
©morren2024/2025.Year published 2024.
