ARIZONA ADJUSTER UPDATED 2026 EXAM SCRIPT
QUESTIONS AND SOLUTIONS RATED A+
✔✔Dwelling Coverage C - ✔✔Personal property-
listed property on the policy.
Limit is 10% of coverage C limit.
No additional insurance
Exclusions:
Animals
Vehicles
aircraft
boats
paper and electronic data
credit and debit cards
money
grave markers
water or steam
✔✔Dwelling Coverage A B C - ✔✔Covers direct loss
✔✔Dwelling Coverage D E - ✔✔Covers indirect losses
✔✔Dwelling Coverage D - ✔✔Fair rental value
✔✔Dwelling Coverage E - ✔✔Additional living expenses
✔✔Dwelling Endorsements - ✔✔Coverage L - Personal liability
Coverage M- Medical payments to others
✔✔Newly Acquired Auto - ✔✔Any new or used vehicle that the insured gets during the
current policy period.
Must weigh less than 10,000 lbs
May not be covered under another insurance policy
May not be used for the transportation of goods or materials.
Automatically gets the broadest coverage provided to any one car listed in policy.
✔✔Arizona Auto Limits - ✔✔25/50/15
✔✔Auto Premium grace period - ✔✔7 days
✔✔Amendment of policy provisions- Arizona. includes all but:
Government vehicles
rental
vehicles that an insured owns or uses regularly
hit-and-run - ✔✔rentals
,✔✔FaRM InsUraNCe - ✔✔Provide:
Property insurance for dwelling and contents
scheduled and unscheduled farm personal property insurance
Mobile ag. machinery and livestock coverage
farm liability insurance
✔✔Farm insurance eligibility - ✔✔Farm owner must conduct business and live on the
insured property
✔✔Farm Insurance- not eligible - ✔✔Farms that manufacture or process goods.
Farms for raising race or show animals.
Some vacant farm properties.
✔✔FaRm cOVERage - ✔✔Coverage A- Dwelling: for main dwelling, attached
structures, and necessary materials.
Up to 5,000 for damages and grave markers.
Not covered: Trees, shrubs, plants, or lawns (Except with endorsements )
Coverage B- Other private detached structures.
Covers private structures not attached to main dwelling.
Guest houses
Patios
Sheds
Outdoor antennas (1,000 per occurrence )
Coverage C- Household personal property
Covers theft or damaged personal property.
Includes personal property of family and guests staying on the premises.
Has a limit of 50% of coverage A.
Coverage D-
Loss of use
Pays additional living expenses resulting from a covered peril.
including fair rental value if insured had tenants.
Applies when civil emergency, such as fire or flooding, makes home uninhabitable.
✔✔Farm Coverage- C - ✔✔Limits for theft:
2,500 for furs, jewelry , and precious stones.
3,000 for firearms.
2,500 for pure goldware, silverware, and other items whose value is principally derived
from gold or silver content.
✔✔Commercial Coverage Forms - ✔✔Scheduled Farm Personal property
Unscheduled Farm Personal Property.
Barns, outbuildings, and Other Farm Structures
✔✔Inland Marine Forms - ✔✔Mobile Ag machinery and equipment.
, Livesrock floater
✔✔Causes of loss forms - ✔✔Attached to each farm coverage, either basic, broad, or
special form.
✔✔Farm Liability Coverage - ✔✔H- bodily injury and property damage
I- Personal and advertising injury
J- Medical payments coverage
✔✔Farm Product Liability - ✔✔Covers injury or illness caused by eating the farmers
products.
✔✔Farm Pollution Liability - ✔✔Covers pollution damage caused by farm property or
operations.
This includes animal waste overflow, chemical spills.
Does not include chemical over-spray from aircraft (different endorsement )
✔✔Custom Farming Liability - ✔✔Covers farmers doing contract work.
Will not apply if a farmer makes more than 5,000 per year as a contractor.
✔✔Farm employees liability - ✔✔Is available by endorsement.
covers employee injuries not allowed under workers' comp.
✔✔Agritainment - ✔✔Farm based entertainment- hay rides/ harvest festival
Agritainment- property: adds coverage for damage to the famers property caused by
agritainment
Agritainment- Liability: Covers the farmers liability for injuries that occur during
agritainment activities on his farm.
✔✔Loss Settlement Valuations: Farm - ✔✔Usually acv; coinsurance required for RC
valuations.
✔✔Replacement cost claims process: Farm - ✔✔Insurer only pays fill amount after
repairs are done
✔✔Commercial Property Insurance - ✔✔Covers direct and indirect losses related to
businesses property.
Does not include farms and 1-4 family dwellings.
Insures on and ACV basis.
Replacement cost is available as an endorsement if you follow the coinsurance
guidelines.
✔✔Commercial property insurance Cancellation - ✔✔45 day noticed from insurer.
✔✔Subrogation - ✔✔noun: LAW:
QUESTIONS AND SOLUTIONS RATED A+
✔✔Dwelling Coverage C - ✔✔Personal property-
listed property on the policy.
Limit is 10% of coverage C limit.
No additional insurance
Exclusions:
Animals
Vehicles
aircraft
boats
paper and electronic data
credit and debit cards
money
grave markers
water or steam
✔✔Dwelling Coverage A B C - ✔✔Covers direct loss
✔✔Dwelling Coverage D E - ✔✔Covers indirect losses
✔✔Dwelling Coverage D - ✔✔Fair rental value
✔✔Dwelling Coverage E - ✔✔Additional living expenses
✔✔Dwelling Endorsements - ✔✔Coverage L - Personal liability
Coverage M- Medical payments to others
✔✔Newly Acquired Auto - ✔✔Any new or used vehicle that the insured gets during the
current policy period.
Must weigh less than 10,000 lbs
May not be covered under another insurance policy
May not be used for the transportation of goods or materials.
Automatically gets the broadest coverage provided to any one car listed in policy.
✔✔Arizona Auto Limits - ✔✔25/50/15
✔✔Auto Premium grace period - ✔✔7 days
✔✔Amendment of policy provisions- Arizona. includes all but:
Government vehicles
rental
vehicles that an insured owns or uses regularly
hit-and-run - ✔✔rentals
,✔✔FaRM InsUraNCe - ✔✔Provide:
Property insurance for dwelling and contents
scheduled and unscheduled farm personal property insurance
Mobile ag. machinery and livestock coverage
farm liability insurance
✔✔Farm insurance eligibility - ✔✔Farm owner must conduct business and live on the
insured property
✔✔Farm Insurance- not eligible - ✔✔Farms that manufacture or process goods.
Farms for raising race or show animals.
Some vacant farm properties.
✔✔FaRm cOVERage - ✔✔Coverage A- Dwelling: for main dwelling, attached
structures, and necessary materials.
Up to 5,000 for damages and grave markers.
Not covered: Trees, shrubs, plants, or lawns (Except with endorsements )
Coverage B- Other private detached structures.
Covers private structures not attached to main dwelling.
Guest houses
Patios
Sheds
Outdoor antennas (1,000 per occurrence )
Coverage C- Household personal property
Covers theft or damaged personal property.
Includes personal property of family and guests staying on the premises.
Has a limit of 50% of coverage A.
Coverage D-
Loss of use
Pays additional living expenses resulting from a covered peril.
including fair rental value if insured had tenants.
Applies when civil emergency, such as fire or flooding, makes home uninhabitable.
✔✔Farm Coverage- C - ✔✔Limits for theft:
2,500 for furs, jewelry , and precious stones.
3,000 for firearms.
2,500 for pure goldware, silverware, and other items whose value is principally derived
from gold or silver content.
✔✔Commercial Coverage Forms - ✔✔Scheduled Farm Personal property
Unscheduled Farm Personal Property.
Barns, outbuildings, and Other Farm Structures
✔✔Inland Marine Forms - ✔✔Mobile Ag machinery and equipment.
, Livesrock floater
✔✔Causes of loss forms - ✔✔Attached to each farm coverage, either basic, broad, or
special form.
✔✔Farm Liability Coverage - ✔✔H- bodily injury and property damage
I- Personal and advertising injury
J- Medical payments coverage
✔✔Farm Product Liability - ✔✔Covers injury or illness caused by eating the farmers
products.
✔✔Farm Pollution Liability - ✔✔Covers pollution damage caused by farm property or
operations.
This includes animal waste overflow, chemical spills.
Does not include chemical over-spray from aircraft (different endorsement )
✔✔Custom Farming Liability - ✔✔Covers farmers doing contract work.
Will not apply if a farmer makes more than 5,000 per year as a contractor.
✔✔Farm employees liability - ✔✔Is available by endorsement.
covers employee injuries not allowed under workers' comp.
✔✔Agritainment - ✔✔Farm based entertainment- hay rides/ harvest festival
Agritainment- property: adds coverage for damage to the famers property caused by
agritainment
Agritainment- Liability: Covers the farmers liability for injuries that occur during
agritainment activities on his farm.
✔✔Loss Settlement Valuations: Farm - ✔✔Usually acv; coinsurance required for RC
valuations.
✔✔Replacement cost claims process: Farm - ✔✔Insurer only pays fill amount after
repairs are done
✔✔Commercial Property Insurance - ✔✔Covers direct and indirect losses related to
businesses property.
Does not include farms and 1-4 family dwellings.
Insures on and ACV basis.
Replacement cost is available as an endorsement if you follow the coinsurance
guidelines.
✔✔Commercial property insurance Cancellation - ✔✔45 day noticed from insurer.
✔✔Subrogation - ✔✔noun: LAW:
