Homeowners insured - Study guides, Class notes & Summaries
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Georgia Personal Line Exam Questions and Answers 100% Pass
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Georgia Personal Line Exam 
Questions and Answers 100% Pass 
In an insured's neighborhood, individuals are required to pay the fire department if 
called to their premises. This insured has a homeowner policy. How much will the policy 
pay for these fire department service charges? - Correct Answer ️️ -up to $500 
When applying for an individual life insurance policy, an applicant states that he went to 
the doctor for nausea, but fails to mention that he was also having severe chest pains....
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PSI Life, Accident, Health Practice Exam Questions AND ANSWERS| GRADED A| 39 PAGES(210 QUESTIONS)
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Which is an ACCURATE statement regarding benefits of Medicare supplement and Medicare select plans? 
 
1 
The insurer is able to cancel, or deny renewal of an existing policy, based solely on the health of the insured. 
2 
There is no restriction for benefits after the coverage has been in effect for six months when involving a preexisting condition. 
3 
The coverage for a loss from an illness or disease is treated differently than for a loss resulting from an injury due to an accident. 
4 
The ...
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New York State Property and Casualty Licensing Exam Questions and Answers Graded A+
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New York State Property and Casualty Licensing Exam Questions and Answers Graded A+ 
 
Pro Rata Liability Clause is included in an insurance policy to deal with the problem of Duplicate insurance policies 
The purpose of this clause is to illustrate the method to determine each insurer's liability in case of a loss. Each insurer pays its fair share determined by the percentage that the carrier's limit bears to the total coverage carried. 
 
pro rata liability If a loss occurs that is covered...
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Louisiana Claims Adjuster Exam Questions & Answers 100% Correct
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The coverage territory of the Business Auto form provides for "worldwide liability coverage" for private passenger autos that the insured: 
 
a) Hires, leases, rents or borrows without a driver while outside the United States, its territories and possessions. 
 
b) Purchases while outside the United States, its territories and possessions. 
 
c) Sells while outside the United States, its territories and possessions. 
 
d) Occupies while outside the United States, its territories and possession...
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Texas Adjuster Exam 2024 with 100% correct answers
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If an automobile policy has split limits of 30/60/25. What is the maximum amount of liability coverage that would be paid in a covered loss where three people are involved. 
$30,000 
 
 
 
Which of the following statements best describes an inland marine policy? 
Pertains to Cargo with no fixed location 
 
 
 
Alex is traveling through College Station and hits a deer, and the damages are $1500. He has comprehensive coverage with a $500 deductible. What will you pay? 
$1000 
 
 
 
This department...
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A 
 
 
 
The process where by a mutul insurer becomes a stock company is called - Demutalization 
 
The process whereby a stock company a mutal insurer is called - Mutalization 
 
The provision in a property policy which states that the insured has been paid up to their insurable interest is - Valuation clause 
 
The part of the policy that states the amout of coverage the insured property policy period is - Declara...
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Texas Property and Casualty Exam Questions and Answers Verified 100%
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Texas Property and Casualty Exam Questions and Answers Verified 100% 
 
____ is uncertainty of loss - risk 
 
____ is a transfer of risk from the insured to the insurer - insurance 
 
____ risk means there is no chance of gain. It is insurable. - pure 
 
____ risk means there is a chance of a loss or a gain. It is not insurable. - speculative 
 
a ____ is something that increases the risk. - hazard 
 
the principle of _____ governs property and casualty policies. It states that the purpose of th...
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Virginia Property and Casualty Insurance Exam Prep (Latest 2024/ 2025 Update) Questions and Verified Answers| 100% Correct| Grade A
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Virginia Property and Casualty Exam Prep 
(Latest 2024/ 2025 Update) Questions and 
Verified Answers| 100% Correct| Grade A 
 
Q: What is mysterious disappearance? 
 
 
Answer: 
Misplacement or loss of property without knowledge as to the location, time and cause of the 
loss 
 
 
 
Q: What are additional coverages available in Homeowners policies without additional 
premiums? 
 
 
Answer: 
Debris removal, lawns/plants/shrubs, and trees,removal, reasonable repairs, and fire department 
serv...
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State Farm Fire Independent Policy Exam 2023 with verified and complete solution
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1.	Select the false statement listed below: In the HO-3 policy, the ALE pay- ments will be made only for: 
 
Select the single best answer: 
 
A.	The shortest time necessary to repair or replace the damaged property, but not to exceed 24 months. 
B.	If the insured does not rebuild, the time necessary for the insured to relocate in permanent living quarters, but not to exceed 24 months. 
C.	ALE payments can run beyond the expiration of the policy. 
D.	ALE payments are limited to incurred costs fo...
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Property and casualty Insurance Correct 100%
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Insurer - ANSWER the insurance company or carrier. 
 
Insured 
(Homeowners policy( - ANSWER 1. The named insured. 
2. The named insured's spouse, if a resident. 
3. Relatives of the named insured and anyone under age 21 in the insureds care. Like a foreign exchange student. 
4. Full time students living away at college. 
 
Residence Premises 
(Homeowners policies) - ANSWER 1. The single family dwelling the named insured lives in. 
2. A 2, 3, or 4-family dwelling in which the named insured ...
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