NJ PSI Property and Casualty Exam Questions with 100% Correct Answers
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NJ PSI Property and Casualty
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NJ PSI Property And Casualty
The Mobile Home Endorsement of a Homeowners policy affords coverage to mobile homes under the?
A. HO-1 (Basic Form)
B. HO-2 (Broad Form)
C. HO-3 (Special Form)
D. HO-2 or HO-3 (Broad and Special) Correct Answer D. HO-2 or HO-3 (Broad and Special)
All of the following are eligible for coverag...
NJ PSI Property and Casualty Exam Questions with 100% Correct Answers The Mobile Home Endorsement of a Homeowners policy affords coverage to mobile homes under the?
A. HO-1 (Basic Form)
B. HO-2 (Broad Form)
C. HO-3 (Special Form)
D. HO-2 or HO-3 (Broad and Special) Correct Answer D. HO-2 or HO-3 (Broad and Special)
All of the following are eligible for coverage under Homeowners policy except?
A. A condominium unit owner.
B. A farm owner.
C. A mobile home owner.
D. A tenant in an apartment building. Correct Answer B. A farm owner.
The term Insured Location under Section II of Homeowners policies refers to all of the following except?
A. The insured premises.
B. Farm land.
C. A non-owned premises where an insured temporarily resides.
D. A newly-acquired premises. Correct Answer B. Farm land.
All of the following would be considered insured's under a Homeowner's policy expect?
A. Resident relatives of the insured.
B. A non-relative resident under age 21 in the care of the insured.
C. The insured's spouse if the spouse lives in the household.
D. A non-relative resident over age 21. Correct Answer D. A non-relative resident over age 21.
All of the following homeowners policies provide dwelling coverage except?
A. HO-2
B. HO-3
C. HO-4
D. HO-1 Correct Answer C. HO-4
Dwelling coverage A includes all of the following except?
A. The dwelling.
B. The deck on the back of the dwelling.
C. A Gazebo.
D. Construction materials on the residence premises for use in the repair of the dwelling. Correct Answer C. A Gazebo.
Under Homeowners policies, the base deductible applicable to property losses, Section I, is?
A. $100 B. $250
C. $500
D. $1000 Correct Answer B. $250
The National Flood Insurance Program (NFIP) is a ________ program?
A. State.
B. Municipal.
C. Federal.
D. Worldwide. Correct Answer C. Federal.
All of the following are optional coverage's under Homeowners policies except?
A. Personal Property Replacement Cost coverage.
B. Increased coverage limits from items suck as jewelry, furs, and silverware.
C. Loss of Use coverage.
D. Earthquake coverage. Correct Answer C. Loss of Use Coverage.
The National Flood Insurance Program (NFIP) standards are set by, and the Program is administered by, the?
A. National Flood Management Association (NFMA)
B. National Emergency Standards Agency (NESA)
C. Federal Flood Coverage Association (FFCA)
D. Federal Emergency Management Agency (FEMA) Correct Answer D. Federal Emergency Management Agency (FEMA)
Under Homeowners policies, which of the following is/are considered optional property coverage endorsement(s)?
A. Earthquake.
B. Fine Arts.
C. Replacement Cost coverage on personal property.
D. All of the above. Correct Answer D. All of the above.
Under an NFIP Flood policy, flood is broadly defined as all of the following except?
A. The overflow of inland or tidal waters. B. Mudflow, a river of liquid and flowing mud on the surfaces of normally dry land area, as when earth is carried by a current of water. C. Heavy, driving sheets of wind blown rain.
D. The collapse of subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood. Correct Answer C. Heavy, driving sheets of wind blown rain.
Under an NFIP Flood policy, in most cases the waiting period before a new policy can be made effective is?
A. 10 days.
B. 20 days.
C. 30 days.
D. 60 days. Correct Answer C. 30 days.
If your baby sitter falls down the stairs in your home and breaks her leg, her injury will be covered by?
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