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NJ Property Producer Exam EXAM NEWEST, 2024/ 2025, ACTUAL EXAM 250 QUESTIONS AND CORRECT DETAILED ANSWERS |ALREADY GRADED A

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NJ Property Producer Exam EXAM NEWEST, 2024/ 2025, ACTUAL EXAM 250 QUESTIONS AND CORRECT DETAILED ANSWERS |ALREADY GRADED A

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  • 21 de noviembre de 2024
  • 21
  • 2024/2025
  • Examen
  • Preguntas y respuestas

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  • nj property producer exam exam newest

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  • NJ Property Producer
  • NJ Property Producer

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NJ Property Producer Exam EXAM NEWEST, 2024/ 2025,
ACTUAL EXAM 250 QUESTIONS AND CORRECT DETAILED
ANSWERS |ALREADY GRADED A



Insurance-Related Conduct ......answer.....Soliciting, selling, negotiating, or

binding policies of insurance



Dwelling Policy ......answer.....Only insures property



DP-1 ......answer.....Basic Form



DP-2 ......answer.....Broad Form



DP-3 ......answer.....Special Form



Dwelling Coverage A ......answer.....Dwelling- Covers dwelling, structures

attached to dwelling, and materials/supplies for the dwelling.



Dwelling Coverage B ......answer.....Other Structures- Insures buildings on

premise but separate from the dwelling.

,Dwelling Coverage C ......answer.....Personal Property- Covers the insured's

personal property and must be requested. If rental property, a tenant's property is

not covered.



Dwelling Coverage D ......answer.....Fair Rental Value- Covers insured in the event

a covered loss makes the rental portion of a property unfit for normal use.



Dwelling Coverage E ......answer.....Additional Living Expense- Included in DP-2 &

DP-3 and pays for additional living expenses the insured incurs after a loss. DP-1

by endorsement.



HO-2 ......answer.....Broad Form. Owner Occupied



HO-3 ......answer.....Special Form. Owner Occupied



HO-4 ......answer.....Tenants or Renters.



HO-5 ......answer.....Comprehensive Form (Open). Covers everything minus

named exclusions.



HO-6 ......answer.....Condominium Owners



HO-8 ......answer.....Modified form. For special Risks. Think Antique homes.

, Mobile Homes ......answer.....By endorsement to a DP or HO policy. Can be a

separate policy. Insures home, other structures (10%) and contents. Personal

property - 40% of coverage. Permanent Foundation.



Time Element Coverage Forms ......answer.....Business Income. Covers loss of

income and expenses due to suspension of business following a covered loss.



Commercial Package Policy (CPP) ......answer.....Must have at least 2 kinds of

coverage.



CPP's can't contain: ......answer.....Workers' Compensation, Life Insurance,

Health and Disability Insurance, Certain types of Professional Liability



Equipment Breakdown Coverage ......answer.....NOT a maintenance policy,

Designed to cover breakdown, Failure of pressure or vacuum equipment,

Mechanical failure (including rupture or bursting caused by centrifugal force),

Electrical failure.



Business-owners Policy ......answer.....Similar to CPP, but more for small

business owners.



Inland Marine ......answer.....Insurance for property in transit

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