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Florida Personal Lines Exam Questions with
100% Correct Answers 2025 | 2026
Under Part A of a Personal Auto Policy, which of the following
losses would be covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the
insured
D.) Damage to the home the insured owns - ANSWER B.)
Damage to a neighbor's parked car
Which of the following is true regarding the Fine Arts Floater?
A.) Coverage is limited to the United States, Canada, and
Mexico
B.) Coverage is primarily for stamps and coins
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C.) It provides automatic coverage on newly acquired items for
90 days
D.) It settles losses on an ACV basis - ANSWER C.) It provides
automatic coverage on newly acquired items for 90 days
All of the following statements are correct about a
Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income
from an incidental business
C.) A Homeowners Policy will not cover theft of a boat away
from premises
D.) Coverage D of a Homeowners Policy covers additional living
expenses - ANSWER B.) Coverage D of a Homeowners Policy
includes loss of income from an incidental business
Under disability income insurance, a monthly benefit will be
________ of the insured's monthly income.
A.) 80 1/2%
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B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - ANSWER B.) 66 2/3%
All of the following items of property are considered property
not covered under Coverage C of a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - ANSWER B.) Personal
property of a guest
Which of the following is NOT a purpose of licensing?
A.) For the applicant to be familiar with the Florida insurance
laws
B.) To authorize and enable the licensee to actively and in good
faith engage in the insurance business as an agent
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C.) To facilitate the public supervision of such activities in the
public interest
D.) To authorize the agent to insure risks - ANSWER D.) To
authorize the agent to insure risks
Liability coverage provided by a Personal Auto policy would
cover which of the following damages?
A.) Damage to property being transported by the insured in a
covered auto
B.) Damage to a private garage rented to the insured, caused by
the insured's child driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is in the care
of the insured
D.) Damage to a storefront caused by a valet driver operating a
covered auto - ANSWER B.) Damage to a private garage rented
to the insured, caused by the insured's child driving a covered
auto
Which policy provision omits certain risks from coverage?
Florida Personal Lines Exam Questions with
100% Correct Answers 2025 | 2026
Under Part A of a Personal Auto Policy, which of the following
losses would be covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the
insured
D.) Damage to the home the insured owns - ANSWER B.)
Damage to a neighbor's parked car
Which of the following is true regarding the Fine Arts Floater?
A.) Coverage is limited to the United States, Canada, and
Mexico
B.) Coverage is primarily for stamps and coins
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C.) It provides automatic coverage on newly acquired items for
90 days
D.) It settles losses on an ACV basis - ANSWER C.) It provides
automatic coverage on newly acquired items for 90 days
All of the following statements are correct about a
Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income
from an incidental business
C.) A Homeowners Policy will not cover theft of a boat away
from premises
D.) Coverage D of a Homeowners Policy covers additional living
expenses - ANSWER B.) Coverage D of a Homeowners Policy
includes loss of income from an incidental business
Under disability income insurance, a monthly benefit will be
________ of the insured's monthly income.
A.) 80 1/2%
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B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% - ANSWER B.) 66 2/3%
All of the following items of property are considered property
not covered under Coverage C of a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant - ANSWER B.) Personal
property of a guest
Which of the following is NOT a purpose of licensing?
A.) For the applicant to be familiar with the Florida insurance
laws
B.) To authorize and enable the licensee to actively and in good
faith engage in the insurance business as an agent
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C.) To facilitate the public supervision of such activities in the
public interest
D.) To authorize the agent to insure risks - ANSWER D.) To
authorize the agent to insure risks
Liability coverage provided by a Personal Auto policy would
cover which of the following damages?
A.) Damage to property being transported by the insured in a
covered auto
B.) Damage to a private garage rented to the insured, caused by
the insured's child driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is in the care
of the insured
D.) Damage to a storefront caused by a valet driver operating a
covered auto - ANSWER B.) Damage to a private garage rented
to the insured, caused by the insured's child driving a covered
auto
Which policy provision omits certain risks from coverage?
