Florida Personal Lines Exam
Questions
A bird hits and breaks the windshield of an insured vehicle. This is covered under
which of the following coverages of a Personal Auto policy?
A.) Other than collision coverage
B.) Liability coverage
C.) Collision coverage
D.) Supplementary payments - ------------ANS: A.) Other than collision coverage
A Broad Form Homeowners policy would NOT cover which of the following losses?
A.) Damage to a dwelling's contents from water used to put out a fire
B.) Water damage to personal property stored in the basement after a sump pump
overflows
C.) Water damage resulting from frozen pipes of an automatic fire sprinkler system
D.) Hardwood damage after an accidental discharge of water from a dishwasher -
------------ANS: B.) Water damage to personal property stored in the basement after a
sump pump overflows
A building with no physical contents and no occupants is said to be which of the
following?
A.) Idle property
B.) Vacant
,C.) Unoccupied
D.) Abandoned - ------------ANS: B.) Vacant
A building with no physical contents and no occupants is said to be which of the
following?
A.) Vacant
B.) Unoccupied
C.) Abandoned
D.) Idle property - ------------ANS: A.) Vacant
A change of address must be reported to the DFS within how many days after
moving?
A.) 15
B.) 30
C.) 20
D.) 60 - ------------ANS: B.) 30
A change of address must be reported to the DFS within how many days after
moving?
A.) 60
B.) 30
C.) 15
D.) 20 - ------------ANS: B.) 30
,A claimant brings suit against the insured for negligence. The insured's defense
argues that the claimant participated in causing the loss and was partially negligent,
meaning the claimant is not owed any damages for the loss. This is an example of:
A.) Contributory negligence
B.) Comparative negligence
C.) Vicarious negligence
D.) Proximate negligence - ------------ANS: A.) Contributory negligence
A driver's license may be issued to a 16 or 17 year old who completes an application
and the parents certify that they accompanied her for how many hours of
behind-the-wheel experience?
A.) 90
B.) 75
C.) 50
D.) 30 - ------------ANS: C.) 50
A dwelling and detached garage are insured on an HO-2 policy against named
perils. If the garage collapses due to the weight of snow, how does coverage apply?
A.) Coverage is only provided by endorsement
B.) Collapse is a Broad Form named peril
C.) Coverage for collapse is not available
D.) Coverage is provided as an Additional Coverage - ------------ANS: D.) Coverage
is provided as an Additional Coverage
, A false statement in the application for insurance is called a:
A.) Warranty
B.) Concealment
C.) Representation
D.) Misrepresentation - ------------ANS: D.) Misrepresentation
A general lines agent can finance insurance premiums and charge service charges
up to______ per installment.
A.) $1.50
B.) $4.25
C.) $3.00
D.) $5.00 - ------------ANS: C.) $3.00
A hazard is best defined as:
A.) The loss itself
B.) A reduction in, decrease in, or disappearance of, value
C.) The possibility of a loss
D.) Something that increases the chance of a loss - ------------ANS: D.) Something
that increases the chance of a loss
A homeowners insurance agent may only share a commission or any valuable
consideration with one who:
Questions
A bird hits and breaks the windshield of an insured vehicle. This is covered under
which of the following coverages of a Personal Auto policy?
A.) Other than collision coverage
B.) Liability coverage
C.) Collision coverage
D.) Supplementary payments - ------------ANS: A.) Other than collision coverage
A Broad Form Homeowners policy would NOT cover which of the following losses?
A.) Damage to a dwelling's contents from water used to put out a fire
B.) Water damage to personal property stored in the basement after a sump pump
overflows
C.) Water damage resulting from frozen pipes of an automatic fire sprinkler system
D.) Hardwood damage after an accidental discharge of water from a dishwasher -
------------ANS: B.) Water damage to personal property stored in the basement after a
sump pump overflows
A building with no physical contents and no occupants is said to be which of the
following?
A.) Idle property
B.) Vacant
,C.) Unoccupied
D.) Abandoned - ------------ANS: B.) Vacant
A building with no physical contents and no occupants is said to be which of the
following?
A.) Vacant
B.) Unoccupied
C.) Abandoned
D.) Idle property - ------------ANS: A.) Vacant
A change of address must be reported to the DFS within how many days after
moving?
A.) 15
B.) 30
C.) 20
D.) 60 - ------------ANS: B.) 30
A change of address must be reported to the DFS within how many days after
moving?
A.) 60
B.) 30
C.) 15
D.) 20 - ------------ANS: B.) 30
,A claimant brings suit against the insured for negligence. The insured's defense
argues that the claimant participated in causing the loss and was partially negligent,
meaning the claimant is not owed any damages for the loss. This is an example of:
A.) Contributory negligence
B.) Comparative negligence
C.) Vicarious negligence
D.) Proximate negligence - ------------ANS: A.) Contributory negligence
A driver's license may be issued to a 16 or 17 year old who completes an application
and the parents certify that they accompanied her for how many hours of
behind-the-wheel experience?
A.) 90
B.) 75
C.) 50
D.) 30 - ------------ANS: C.) 50
A dwelling and detached garage are insured on an HO-2 policy against named
perils. If the garage collapses due to the weight of snow, how does coverage apply?
A.) Coverage is only provided by endorsement
B.) Collapse is a Broad Form named peril
C.) Coverage for collapse is not available
D.) Coverage is provided as an Additional Coverage - ------------ANS: D.) Coverage
is provided as an Additional Coverage
, A false statement in the application for insurance is called a:
A.) Warranty
B.) Concealment
C.) Representation
D.) Misrepresentation - ------------ANS: D.) Misrepresentation
A general lines agent can finance insurance premiums and charge service charges
up to______ per installment.
A.) $1.50
B.) $4.25
C.) $3.00
D.) $5.00 - ------------ANS: C.) $3.00
A hazard is best defined as:
A.) The loss itself
B.) A reduction in, decrease in, or disappearance of, value
C.) The possibility of a loss
D.) Something that increases the chance of a loss - ------------ANS: D.) Something
that increases the chance of a loss
A homeowners insurance agent may only share a commission or any valuable
consideration with one who:
