STATE FARM FIRE REVISION EXAM TEST 2025/2026
QUESTIONS WITH ANSWERS GRADED A+
✔✔A clock falls off a wall and damages a piano. Coverage for the piano would:
A. Apply under the collapse peril
B. Apply under the falling object peril
C. Not apply since the cause of loss is not a named peril
D. Apply because it is an accidental direct physical loss
E. None of the above - ✔✔C. Not apply since the cause of loss is not a named peril
S/N: Of the 16 named perils applying to Coverage B - Personal Property, only the falling
object peril comes close to providing coverage for this loss; however, in order for
coverage to apply to personal property inside a building, the falling object must first
damage the exterior roof or wall of the building. The clock falling off a wall onto another
item does not meet this policy provision. Refer to Sect. I, Losses Insured, Coverage B -
Personal Property, paragraph 10 (pg. 8).
✔✔Select the items that would not qualify as a Coverage A structure:
- A patio cover bolted to the fascia of the detached garage
- A carport attached to the roof of the dwelling with post anchored in cement
- A stand alone patio cover with no foundation or other permanent attachment
- A stand alone carport with posts anchored in cement
- A deck attached to the back of the dwelling
- A storage shed on blocks - ✔✔- A stand alone patio cover with no foundation or other
permanent attachment
- A storage shed on blocks
✔✔All of the following are covered except:
A. Storage building on the residence premises rented to a tenant of the dwelling to store
furniture
B. Detached garage where a tenant rents and lives in the efficiency apartment above.
C. Detached garage rented to a neighbor to store a jet ski.
D. Detached garage where a named insured stores tools and supplies used in their
home repair business
E. B and D
F. None of the above are covered - ✔✔E. B and D
✔✔Mr. Jones is a security guard. Mrs. Jones works from home selling handmade
jewelry. A severe thunderstorm causes a large tree to fall through the roof of the
dwelling allowing rain to enter and damage the items below. The policy has a $1,000
, deductible and a B1 loss settlement provision. All items have been repaired/replaced.
How much is payable on this loss?
Cash in Mr. Jones' wallet $100
Cash in Mrs. Jones' purse $350
Mr. Jones' personal handgun collection $3,200
Mrs. Jones' jewelry making tools $800
Finished jewelry waiting to be shipped $850
Mr. Jones' uniforms $700
$5,350
$4,000
$4,400
$3,700
$5,000
$0 - ✔✔$5,000
S/N: The cash in the wallet and purse is limited to $200 so $250 of the deductible is
absorbed in the amount over limits. The handgun collection does not have a special
limit because the damage was caused by water, not theft. The business property is
limited to $1000 (tools and jewelry) so an additional $650 of the deductible is absorbed
leaving only $100 for the deductible. The uniforms, by company interpretation, are not to
be included in business special limits.
✔✔A tree falls on a transformer a block away from the residence premises. Power in
the neighborhood is out and the temperature is well below freezing. The insured stays in
a hotel for five days until the power is back on. Coverage C - Additional Living Expenses
would apply. - ✔✔False
S/N: No loss insured occurred to the residence premises so ALE would not apply.
Additionally, temperature alone does not render a dwelling uninhabitable unless there
are extenuating circumstances such as the health of an insured. Refer to Sect. 1
Coverages, Coverage C- Loss of Use, paragraph 1 (pg 4).
✔✔When a loss insured causes the residence premises to become uninhabitable,
Additional Living Expense pays the necessary increase in the cost of living for the
shortest of: a) the time required to repair or replace the premises; b) the time required to
relocate; or c) 24 months. - ✔✔True
S/N: The coverage trigger for ALE is a loss insured occurring to the residence premises
and rendering it uninhabitable. The policy pays the shorter of these time limits: The time
to repair or replace The time to settle elsewhere; or 24 months Refer to Sect. 1
Coverages, Coverage C - Loss of Use, paragraph 1 (pg. 4).
✔✔Additional Living Expense payments cannot exceed 10% of Coverage A limits. -
✔✔False
QUESTIONS WITH ANSWERS GRADED A+
✔✔A clock falls off a wall and damages a piano. Coverage for the piano would:
A. Apply under the collapse peril
B. Apply under the falling object peril
C. Not apply since the cause of loss is not a named peril
D. Apply because it is an accidental direct physical loss
E. None of the above - ✔✔C. Not apply since the cause of loss is not a named peril
S/N: Of the 16 named perils applying to Coverage B - Personal Property, only the falling
object peril comes close to providing coverage for this loss; however, in order for
coverage to apply to personal property inside a building, the falling object must first
damage the exterior roof or wall of the building. The clock falling off a wall onto another
item does not meet this policy provision. Refer to Sect. I, Losses Insured, Coverage B -
Personal Property, paragraph 10 (pg. 8).
✔✔Select the items that would not qualify as a Coverage A structure:
- A patio cover bolted to the fascia of the detached garage
- A carport attached to the roof of the dwelling with post anchored in cement
- A stand alone patio cover with no foundation or other permanent attachment
- A stand alone carport with posts anchored in cement
- A deck attached to the back of the dwelling
- A storage shed on blocks - ✔✔- A stand alone patio cover with no foundation or other
permanent attachment
- A storage shed on blocks
✔✔All of the following are covered except:
A. Storage building on the residence premises rented to a tenant of the dwelling to store
furniture
B. Detached garage where a tenant rents and lives in the efficiency apartment above.
C. Detached garage rented to a neighbor to store a jet ski.
D. Detached garage where a named insured stores tools and supplies used in their
home repair business
E. B and D
F. None of the above are covered - ✔✔E. B and D
✔✔Mr. Jones is a security guard. Mrs. Jones works from home selling handmade
jewelry. A severe thunderstorm causes a large tree to fall through the roof of the
dwelling allowing rain to enter and damage the items below. The policy has a $1,000
, deductible and a B1 loss settlement provision. All items have been repaired/replaced.
How much is payable on this loss?
Cash in Mr. Jones' wallet $100
Cash in Mrs. Jones' purse $350
Mr. Jones' personal handgun collection $3,200
Mrs. Jones' jewelry making tools $800
Finished jewelry waiting to be shipped $850
Mr. Jones' uniforms $700
$5,350
$4,000
$4,400
$3,700
$5,000
$0 - ✔✔$5,000
S/N: The cash in the wallet and purse is limited to $200 so $250 of the deductible is
absorbed in the amount over limits. The handgun collection does not have a special
limit because the damage was caused by water, not theft. The business property is
limited to $1000 (tools and jewelry) so an additional $650 of the deductible is absorbed
leaving only $100 for the deductible. The uniforms, by company interpretation, are not to
be included in business special limits.
✔✔A tree falls on a transformer a block away from the residence premises. Power in
the neighborhood is out and the temperature is well below freezing. The insured stays in
a hotel for five days until the power is back on. Coverage C - Additional Living Expenses
would apply. - ✔✔False
S/N: No loss insured occurred to the residence premises so ALE would not apply.
Additionally, temperature alone does not render a dwelling uninhabitable unless there
are extenuating circumstances such as the health of an insured. Refer to Sect. 1
Coverages, Coverage C- Loss of Use, paragraph 1 (pg 4).
✔✔When a loss insured causes the residence premises to become uninhabitable,
Additional Living Expense pays the necessary increase in the cost of living for the
shortest of: a) the time required to repair or replace the premises; b) the time required to
relocate; or c) 24 months. - ✔✔True
S/N: The coverage trigger for ALE is a loss insured occurring to the residence premises
and rendering it uninhabitable. The policy pays the shorter of these time limits: The time
to repair or replace The time to settle elsewhere; or 24 months Refer to Sect. 1
Coverages, Coverage C - Loss of Use, paragraph 1 (pg. 4).
✔✔Additional Living Expense payments cannot exceed 10% of Coverage A limits. -
✔✔False
