TEXAS PERSONAL LINES INSURANCE
EXAM ALL QUESTIONS AND
VERIFIED ANSWERS | LATEST 2026-
2027 | ALREADY GRADED | NEW AND
REVISED
What is the minimum amount of coverage that should be carried on an
HO2 on a home that was purchased 4 years ago for $75,000, which
today has a replacement value of $100,000 - ANSWER- $80,000 - due
to it needing to be insured at least 80% of rc in order to collect the full rc
of a partial loss
Which of the following property coverages would provide protection to
contents damaged by fire? - ANSWER- Coverage C
If an insured covered under a Mobile Homeowners Policy moves the
mobile home to protect it from a covered peril, the policy will pay up to
- ANSWER- $500
Under which of the following conditions can broad theft coverage be
added to a dwelling policy - ANSWER- if the insured is owner-occupant
of the dwelling
, Under the dwelling policy, coverage c - personal property is -
ANSWER- limited to covering a servant's property while at the insured
location
A mobile homeowners policy us structured the same as a - ANSWER-
Homeowners policy
Which of the following perils is covered by the HO2 and HO3 -
ANSWER- sudden and accidental rupture of a heating system
An insured has an auto liabilit policy w/ limits of 25/50/15. The insured
is involved in an accident caused by her negligence and is held legally
liable for BI of 3 persons in the other auto as folls: "A" $15,000 "B"
30,000 "C" 35,000. How much will her insurer pay in total for all
injuries? - ANSWER- $50,000 - The second limit is the most the policy
will pay for all injuries if more than one person is injured in a single
accident
With respect to auto insurance, the term owned autos includes all of the
following EXCEPT - ANSWER- a pickup or van titled to and used in
the named insured's business
Which of the following would NOT qualify as a hired auto? -
ANSWER- an auto borrowed from an employee
EXAM ALL QUESTIONS AND
VERIFIED ANSWERS | LATEST 2026-
2027 | ALREADY GRADED | NEW AND
REVISED
What is the minimum amount of coverage that should be carried on an
HO2 on a home that was purchased 4 years ago for $75,000, which
today has a replacement value of $100,000 - ANSWER- $80,000 - due
to it needing to be insured at least 80% of rc in order to collect the full rc
of a partial loss
Which of the following property coverages would provide protection to
contents damaged by fire? - ANSWER- Coverage C
If an insured covered under a Mobile Homeowners Policy moves the
mobile home to protect it from a covered peril, the policy will pay up to
- ANSWER- $500
Under which of the following conditions can broad theft coverage be
added to a dwelling policy - ANSWER- if the insured is owner-occupant
of the dwelling
, Under the dwelling policy, coverage c - personal property is -
ANSWER- limited to covering a servant's property while at the insured
location
A mobile homeowners policy us structured the same as a - ANSWER-
Homeowners policy
Which of the following perils is covered by the HO2 and HO3 -
ANSWER- sudden and accidental rupture of a heating system
An insured has an auto liabilit policy w/ limits of 25/50/15. The insured
is involved in an accident caused by her negligence and is held legally
liable for BI of 3 persons in the other auto as folls: "A" $15,000 "B"
30,000 "C" 35,000. How much will her insurer pay in total for all
injuries? - ANSWER- $50,000 - The second limit is the most the policy
will pay for all injuries if more than one person is injured in a single
accident
With respect to auto insurance, the term owned autos includes all of the
following EXCEPT - ANSWER- a pickup or van titled to and used in
the named insured's business
Which of the following would NOT qualify as a hired auto? -
ANSWER- an auto borrowed from an employee
