State Farm Property Test | 100%
Correct Answers 2026 | 100%
Accurate
• Mr. Holder's roof has sustained damaged by birds and rodents. During
a rain storm, water entered the home through this roof damage causing
damage to the ceiling and a throw rug. What can you pay for on this
loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above -✓✓(A)The ceiling
• Our Insured has Option ID for $20,000.00, which is applicable for
repairs to dwelling extensions, other structures? -✓✓False
• Due to a general power outage in the area, the food in Mr. Holder's
freezer spoiled and the resulting smell ruined the freezer. We can pay to
replace both the food and the freezer? -✓✓False
• Option ID applies to the dwelling and other structures. -✓✓False
• The beach house furnishings have been replaced and you have verified
the replacement cost at $25,459.99. The coverage B limits are
$100,000.00. Consider the $250.00 deductible in your calculations. How
much would you pay on this loss?
(A)$25,209.99
(B)$9,750
(C)$10,000.00
,(D)None of the above -✓✓(C)$10,000.00
• Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is
away, her home is broken in to and her Mink Coat and silverware is
stolen. Which of the following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs
listed in the declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the
declarations.
(D)Silverware is not considered Jewelry in the Policy -✓✓(D)Silverware
is not considered Jewelry in the Policy
• When property is damaged we owe actual cash value (ACV) at the
time of the loss. After the repairs are made we would owe replacement
cost (RCV) up to the limit of the market value. -✓✓False
• Which of the following is true about Jewelry and Fur coverage under
Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has
been purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this
Option
(E)The limits for loss by Theft is shown in the Declarations for
Coverage B, plus the aggregate limit
(F)None of the above -✓✓(F)None of the above
• The furnishings are covered up to the Coverage B limits -✓✓False
, • Mr. Holder grows exotic plants, as a hobby, which he discovered on a
tropical island. During a severe thunderstorm, strong winds blew down a
tree onto the electric mast located on the roof of his house causing the
electricity to go out. Mr. Holder was away for a week during this time
and all of the plants died due to the change in temperature inside the
home. In order to pay the claim you must verify?
(A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above -✓✓(D)All of the above
• During an approaching hurricane the local authorities ordered an
evacuation which lasted three weeks. Mr. Holder hired some helpers to
load his personal property on to a rental truck and he moved the items to
a safe location. After the all clear signal was given and our Insured
moved his contents back home, he submitted the following bills. What
items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
(E)
Rent for the temporary storage -✓✓(E)
Rent for the temporary storage
• During a severe thunderstorm, a limb blew out of a tree and broke out a
skylight allowing rain to enter our Insured's home damaging the carpet,
Correct Answers 2026 | 100%
Accurate
• Mr. Holder's roof has sustained damaged by birds and rodents. During
a rain storm, water entered the home through this roof damage causing
damage to the ceiling and a throw rug. What can you pay for on this
loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above -✓✓(A)The ceiling
• Our Insured has Option ID for $20,000.00, which is applicable for
repairs to dwelling extensions, other structures? -✓✓False
• Due to a general power outage in the area, the food in Mr. Holder's
freezer spoiled and the resulting smell ruined the freezer. We can pay to
replace both the food and the freezer? -✓✓False
• Option ID applies to the dwelling and other structures. -✓✓False
• The beach house furnishings have been replaced and you have verified
the replacement cost at $25,459.99. The coverage B limits are
$100,000.00. Consider the $250.00 deductible in your calculations. How
much would you pay on this loss?
(A)$25,209.99
(B)$9,750
(C)$10,000.00
,(D)None of the above -✓✓(C)$10,000.00
• Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is
away, her home is broken in to and her Mink Coat and silverware is
stolen. Which of the following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs
listed in the declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the
declarations.
(D)Silverware is not considered Jewelry in the Policy -✓✓(D)Silverware
is not considered Jewelry in the Policy
• When property is damaged we owe actual cash value (ACV) at the
time of the loss. After the repairs are made we would owe replacement
cost (RCV) up to the limit of the market value. -✓✓False
• Which of the following is true about Jewelry and Fur coverage under
Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has
been purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this
Option
(E)The limits for loss by Theft is shown in the Declarations for
Coverage B, plus the aggregate limit
(F)None of the above -✓✓(F)None of the above
• The furnishings are covered up to the Coverage B limits -✓✓False
, • Mr. Holder grows exotic plants, as a hobby, which he discovered on a
tropical island. During a severe thunderstorm, strong winds blew down a
tree onto the electric mast located on the roof of his house causing the
electricity to go out. Mr. Holder was away for a week during this time
and all of the plants died due to the change in temperature inside the
home. In order to pay the claim you must verify?
(A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above -✓✓(D)All of the above
• During an approaching hurricane the local authorities ordered an
evacuation which lasted three weeks. Mr. Holder hired some helpers to
load his personal property on to a rental truck and he moved the items to
a safe location. After the all clear signal was given and our Insured
moved his contents back home, he submitted the following bills. What
items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
(E)
Rent for the temporary storage -✓✓(E)
Rent for the temporary storage
• During a severe thunderstorm, a limb blew out of a tree and broke out a
skylight allowing rain to enter our Insured's home damaging the carpet,
