STATE FARM PROPERTY-POLICY PRETEST EXAM QUESTIONS WITH CORRECT ANSW2ERS.pdf

STATE FARM PROPERTY-POLICY
PRETEST EXAM QUESTIONS 2025-
2026 WITH CORRECT ANSW2ERS
ATcommemorativeTplateTlocatedTonTtopTofTtheTupperTcabinetsTinTtheTkitchenTfall
sTandTlandsTonTanTheirloomTsoupTterrineTbreakingTboth.TWhichTstatementTisTtru
e?

(A)TBothTpiecesTareTcoveredTunderTtheTFallingTObjectTPeril
(B)TOnlyTtheTsoupTterrineTisTcoveredTfromTdamageTresultingTfromTtheTFallingTO
bject
(C)TNeitherTisTcoveredTunderTtheTFallingTObjectTPerilT-
TCORRECTTANSWERS(C)TNeitherTisTcoveredTunderTtheTFallingTObjectTPeril

Mr.THolder'sTroofThasTsustainedTdamagedTbyTbirdsTandTrodents.TDuringTaTrainTs
torm,TwaterTenteredTtheThomeTthroughTthisTroofTdamageTcausingTdamageTtoTthe
TceilingTandTaTthrowTrug.TWhatTcanTyouTpayTforTonTthisTloss?

(A)TheTceiling
(B)TheTthrowTrug
(C)TheTroof,Tceiling,TandTthrowTrug
(D)AllTofTtheTabove
(E)NoneTofTtheTaboveT-TCORRECTTANSWERS(A)TheTceiling

OurTInsuredThasTOptionTIDTforT$20,000.00,TwhichTisTapplicableTforTrepairsTtoTd
wellingTextensions,TotherTstructures?T-TCORRECTTANSWERSFalse

DueTtoTaTgeneralTpowerToutageTinTtheTarea,TtheTfoodTinTMr.THolder'sTfreezerTs
poiledTandTtheTresultingTsmellTruinedTtheTfreezer.TWeTcanTpayTtoTreplaceTbothT
theTfoodTandTtheTfreezer?T-TCORRECTTANSWERSFalse

OptionTIDTappliesTtoTtheTdwellingTandTotherTstructures.T-
TCORRECTTANSWERSFalse

TheTbeachThouseTfurnishingsThaveTbeenTreplacedTandTyouThaveTverifiedTtheTre
placementTcostTatT$25,459.99.TTheTcoverageTBTlimitsTareT$100,000.00.TConsider
TtheT$250.00TdeductibleTinTyourTcalculations.THowTmuchTwouldTyouTpayTonTthis
Tloss?

(A)$25,209.99
(B)$9,750
(C)$10,000.00
(D)NoneTofTtheTaboveT-TCORRECTTANSWERS(C)$10,000.00

, Mrs.TPTHolder'sTPolicyTLimitsTforTCoverageTBTisT$90,000.TWhileTsheTisTaway,Th
erThomeTisTbrokenTinTtoTandTherTMinkTCoatTandTsilverwareTisTstolen.TWhichTof
TtheTfollowingTstatementsTareTtrue:

(A)CoverageTwouldTonlyTbeTextendedTtoTJewelry,TsilverwareTandTFursTlistedTinTt
heTdeclarations
(B)TheTlimitTforTallTjewelryTandTfursTforTtheTperilTofTTheftTisT$2500.00
(C)NoTcoverageTforTJewelryTandTFursTunlessTOptionTJFTisTshownTinTtheTdeclara
tions.
(D)SilverwareTisTnotTconsideredTJewelryTinTtheTPolicyT-
TCORRECTTANSWERS(D)SilverwareTisTnotTconsideredTJewelryTinTtheTPolicy

WhenTpropertyTisTdamagedTweToweTactualTcashTvalueT(ACV)TatTtheTtimeTofTth
eTloss.TAfterTtheTrepairsTareTmadeTweTwouldToweTreplacementTcostT(RCV)TupTt
oTtheTlimitTofTtheTmarketTvalue.T-TCORRECTTANSWERSFalse

WhichTofTtheTfollowingTisTtrueTaboutTJewelryTandTFurTcoverageTunderTOptionTJ
F?

(A)CoverageTisTonlyTavailableTforTJewelryTandTFursTwhenTOptionTJFThasTbeenT
purchased
(B)TheTlimitTforTjewelryTandTfursTforTallTperilsTisT$2500
(C)CoverageTisTlimitedTtoTtheT16TNamedTPerils
(D)Insects,TverminTandTinherentTviceTdamageTisTcoveredTunderTthisTOption
(E)TheTlimitsTforTlossTbyTTheftTisTshownTinTtheTDeclarationsTforTCoverageTB,Tpl
usTtheTaggregateTlimit
(F)NoneTofTtheTaboveT-TCORRECTTANSWERS(F)NoneTofTtheTabove

TheTfurnishingsTareTcoveredTupTtoTtheTCoverageTBTlimitsT-
TCORRECTTANSWERSFalse

Mr.THolderTgrowsTexoticTplants,TasTaThobby,TwhichTheTdiscoveredTonTaTtropical
Tisland.TDuringTaTsevereTthunderstorm,TstrongTwindsTblewTdownTaTtreeTontoTthe
TelectricTmastTlocatedTonTtheTroofTofThisThouseTcausingTtheTelectricityTtoTgoTou
t.TMr.THolderTwasTawayTforTaTweekTduringTthisTtimeTandTallTofTtheTplantsTdied
TdueTtoTtheTchangeTinTtemperatureTinsideTtheThome.TInTorderTtoTpayTtheTclaim
TyouTmustTverify?

(A)TheTPowerTinterruptionTwasTcausedTbyTaTlossTinsured.
(B)TheTpowerTinterruptionTtookTplaceTonTtheTresidenceTpremises.
(C)PowerTlinesToffTtheTresidenceTpremisesTremainedTenergized
(D)AllTofTtheTabove
(E)NoneTofTtheTaboveT-TCORRECTTANSWERS(D)AllTofTtheTabove

DuringTanTapproachingThurricaneTtheTlocalTauthoritiesTorderedTanTevacuationTwhi
chTlastedTthreeTweeks.TMr.THolderThiredTsomeThelpersTtoTloadThisTpersonalTpro