FLORIDA GENERAL LINES COMPREHENSIVE EXAMS
2025/2026 QUESTIONS AND SOLUTIONS GRADED A+
✔✔The dwelling property (DP) policy personal property (coverage C) coverages include
the following except?
a.Personal property of family members of the insured household
b.Personal property of guests and servants
c.Coverage for money, stamps and other valuable papers
d.Personal property belonging to the insured - ✔✔c
✔✔The following are related to the dwelling property (DP) policy fair rental value
(coverage D) except?
a.Coverage is extended for the period necessary to restore the dwelling to a tenantable
condition
b.Coverage only applies when the dwelling becomes uninhabitable from a covered peril.
c.All would apply
d.The insured is reimbursed for the fair rental value of a unit rented to others - ✔✔c
✔✔The dwelling property (DP) policy additional living expenses (coverage E) applies to
the following policies except?
a.The DP-2 Broad form
b.The DP-3 Special form
c.The DP-1 Basic coverage form
d.Both the DP-2 and DP-3 policies - ✔✔c
✔✔The following are general exclusions under the dwelling property (DP) policy
except?
a.Loss resulting from enforcement of a law, nuclear hazards and war
b.Earthquake and water damage by flood and backup of a sewer or drain or malfunction
of a sump pump
c.All are exclusions
d.Loss due to power interruption resulting from off premises, intentional loss and
excludes damage to outdoor lawns, trees, shrubs or plants under the DP-1 policy - ✔✔c
✔✔The DP-1 policy primary coverages include the following except?
a.Coverage E - Additional living expenses
b.Coverage D - Fair rental value
c.Coverage C- Personal property
d.Coverage A - Dwelling and Coverage B - Other structures - ✔✔a
, ✔✔An insured has a DP-1 policy with a limit of $100,000 on the dwelling and the
unattached garage was totally destroyed by fire and it will cost $15,000 to be repaired.
What is the coverage limit that would apply to the damage garage? - ✔✔$10,000 (10%
of $100,000)
✔✔What is the DP-1 policy personal property (coverage C) limit that apply to personal
property situated off the premises worldwide? - ✔✔10% of the personal property
(coverage C) amount
✔✔The following are additional coverages under the DP-1 policy except?
a.Damage to outdoor trees, shrubs and plants
b.Limit of 10% applies to the other structures (coverage B) and 10% of the personal
property (coverage C) applies worldwide
c.Reasonable cost for necessary repairs to protect the property from further loss and a
limit of 5 days (30 days for the DP-2 and DP-3 policies) for property removed to a
temporary location to protect the property from a loss covered by the policy
d.A limit of 20% of the dwelling (coverage A) limit applies to the fair rental value
(coverage D) coverage prorated on a monthly 1/12 basis - ✔✔a
✔✔Losses under the DP-1 basic form are covered on what settlement method? -
✔✔Actual cash value (ACV) settlement method.
✔✔The DP-1 policy form provides what causes of loss form on the dwelling (coverage
A), other structures (coverage B) and personal property (coverage C)? - ✔✔"Basic form
coverage
✔✔How are losses distributed when the DP policy and other policies cover the same
loss? - ✔✔On a pro-rata basis which is each policy limit in relation to the total policies
limits covering the same loss.
✔✔What is Florida requirement for cancellation (during the first 90 days of the policy)
and non-renewal (after the first 90 days of the policy) of a DP policy by an insurer? -
✔✔20 days for cancellation, 60 days for non-renewal and 10 days for termination due to
non-payment of premiums.
✔✔The following are additional coverages under the DP-2 Broad form except?
a.A limit of 10% of the dwelling (coverage A) applies to the other structures (coverage
B)
2025/2026 QUESTIONS AND SOLUTIONS GRADED A+
✔✔The dwelling property (DP) policy personal property (coverage C) coverages include
the following except?
a.Personal property of family members of the insured household
b.Personal property of guests and servants
c.Coverage for money, stamps and other valuable papers
d.Personal property belonging to the insured - ✔✔c
✔✔The following are related to the dwelling property (DP) policy fair rental value
(coverage D) except?
a.Coverage is extended for the period necessary to restore the dwelling to a tenantable
condition
b.Coverage only applies when the dwelling becomes uninhabitable from a covered peril.
c.All would apply
d.The insured is reimbursed for the fair rental value of a unit rented to others - ✔✔c
✔✔The dwelling property (DP) policy additional living expenses (coverage E) applies to
the following policies except?
a.The DP-2 Broad form
b.The DP-3 Special form
c.The DP-1 Basic coverage form
d.Both the DP-2 and DP-3 policies - ✔✔c
✔✔The following are general exclusions under the dwelling property (DP) policy
except?
a.Loss resulting from enforcement of a law, nuclear hazards and war
b.Earthquake and water damage by flood and backup of a sewer or drain or malfunction
of a sump pump
c.All are exclusions
d.Loss due to power interruption resulting from off premises, intentional loss and
excludes damage to outdoor lawns, trees, shrubs or plants under the DP-1 policy - ✔✔c
✔✔The DP-1 policy primary coverages include the following except?
a.Coverage E - Additional living expenses
b.Coverage D - Fair rental value
c.Coverage C- Personal property
d.Coverage A - Dwelling and Coverage B - Other structures - ✔✔a
, ✔✔An insured has a DP-1 policy with a limit of $100,000 on the dwelling and the
unattached garage was totally destroyed by fire and it will cost $15,000 to be repaired.
What is the coverage limit that would apply to the damage garage? - ✔✔$10,000 (10%
of $100,000)
✔✔What is the DP-1 policy personal property (coverage C) limit that apply to personal
property situated off the premises worldwide? - ✔✔10% of the personal property
(coverage C) amount
✔✔The following are additional coverages under the DP-1 policy except?
a.Damage to outdoor trees, shrubs and plants
b.Limit of 10% applies to the other structures (coverage B) and 10% of the personal
property (coverage C) applies worldwide
c.Reasonable cost for necessary repairs to protect the property from further loss and a
limit of 5 days (30 days for the DP-2 and DP-3 policies) for property removed to a
temporary location to protect the property from a loss covered by the policy
d.A limit of 20% of the dwelling (coverage A) limit applies to the fair rental value
(coverage D) coverage prorated on a monthly 1/12 basis - ✔✔a
✔✔Losses under the DP-1 basic form are covered on what settlement method? -
✔✔Actual cash value (ACV) settlement method.
✔✔The DP-1 policy form provides what causes of loss form on the dwelling (coverage
A), other structures (coverage B) and personal property (coverage C)? - ✔✔"Basic form
coverage
✔✔How are losses distributed when the DP policy and other policies cover the same
loss? - ✔✔On a pro-rata basis which is each policy limit in relation to the total policies
limits covering the same loss.
✔✔What is Florida requirement for cancellation (during the first 90 days of the policy)
and non-renewal (after the first 90 days of the policy) of a DP policy by an insurer? -
✔✔20 days for cancellation, 60 days for non-renewal and 10 days for termination due to
non-payment of premiums.
✔✔The following are additional coverages under the DP-2 Broad form except?
a.A limit of 10% of the dwelling (coverage A) applies to the other structures (coverage
B)
