STATE FARM FIRE INDEPENDENT POLICY
EXAMINATION TEST 2026 QUESTIONS WITH
VERIFIED SOLUTIONS
◉ There are three coverages in which the deductible does not apply,
what are them? Answer: 1) Fire Department Service Charge Credit
Card
2) Bank Fund Transfer Card
3)Forgery and Counterfeit Money Locks
◉ What three coverages provided under Coverage C - Loss of Use?
Answer: 1)Additional Living Expense
2)Fair Rental Value
3)Prohibited Use
◉ The limit of liability for damage to firearms caused by any of the
16 named perils is limited to $2500 in the aggregate.
This is True OR False regarding Coverage B - Personal Property
Answer: False
,◉ Coverage A - Dwelling Extension limits are typically 10% of
Coverage A - Dwelling limits but more can be purchased. Answer:
True
◉ The named insured is a finish carpenter and keeps leftover trim
boards from job sites in a detached garage on the residence
premises. The insured has no plans to use the trim boards. The trim
boards are covered under Coverage A. Answer: False
◉ Which of the following is not considered Coverage A?
Satellite dish bolted to fascia
Water heater
Sink disposal
Built-in microwave
Free-standing range Answer: Free-standing range
◉ Rain blows through a window that was accidentally left open and
damages a throw rug. The damage to the rug is covered under
Coverage B - Personal Property. Answer: False
◉ Rain blows through a window that was accidentally left open and
causes damage to wall drywall, carpet, and an upholstered chair.
Wind blows through the window and causes a lamp to fall off an end
,table and break. All repair/replacement has been completed. The
deductible is $500. How much is payable for this loss?
Wall drywall repair $1,100
Lamp replacement $150
Carpet replacement $1,350
Chair replacement $850
$0
$2,600
$2,100 Answer: $2,100
S/N: All items are covered except the chair. The chair was damaged
by rain through an open window, not through an opening created by
wind or hail so no coverage applies. The vase was damaged directly
by wind, not water, so coverage does apply. Coverage A property is
covered for ADPL and no exclusions apply to Coverage 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 Answer: 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 Answer: - A stand alone patio cover with
no foundation or other permanent attachment
EXAMINATION TEST 2026 QUESTIONS WITH
VERIFIED SOLUTIONS
◉ There are three coverages in which the deductible does not apply,
what are them? Answer: 1) Fire Department Service Charge Credit
Card
2) Bank Fund Transfer Card
3)Forgery and Counterfeit Money Locks
◉ What three coverages provided under Coverage C - Loss of Use?
Answer: 1)Additional Living Expense
2)Fair Rental Value
3)Prohibited Use
◉ The limit of liability for damage to firearms caused by any of the
16 named perils is limited to $2500 in the aggregate.
This is True OR False regarding Coverage B - Personal Property
Answer: False
,◉ Coverage A - Dwelling Extension limits are typically 10% of
Coverage A - Dwelling limits but more can be purchased. Answer:
True
◉ The named insured is a finish carpenter and keeps leftover trim
boards from job sites in a detached garage on the residence
premises. The insured has no plans to use the trim boards. The trim
boards are covered under Coverage A. Answer: False
◉ Which of the following is not considered Coverage A?
Satellite dish bolted to fascia
Water heater
Sink disposal
Built-in microwave
Free-standing range Answer: Free-standing range
◉ Rain blows through a window that was accidentally left open and
damages a throw rug. The damage to the rug is covered under
Coverage B - Personal Property. Answer: False
◉ Rain blows through a window that was accidentally left open and
causes damage to wall drywall, carpet, and an upholstered chair.
Wind blows through the window and causes a lamp to fall off an end
,table and break. All repair/replacement has been completed. The
deductible is $500. How much is payable for this loss?
Wall drywall repair $1,100
Lamp replacement $150
Carpet replacement $1,350
Chair replacement $850
$0
$2,600
$2,100 Answer: $2,100
S/N: All items are covered except the chair. The chair was damaged
by rain through an open window, not through an opening created by
wind or hail so no coverage applies. The vase was damaged directly
by wind, not water, so coverage does apply. Coverage A property is
covered for ADPL and no exclusions apply to Coverage 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 Answer: 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 Answer: - A stand alone patio cover with
no foundation or other permanent attachment
