TEXAS SURPLUS LINES CERTIFICATION
EVALUATION 2026 QUESTIONS WITH
PRACTICE SOLUTION GRADED A+
◉ Combined Single-Limit Coverage. Answer: 85k PD and BI in a
single Limit
◉ If drving a nonowned auto (borrowed vehicle). Answer: - the
owners auto is primary coverage
- the the borrowers insureds policy is excess (if needed )
◉ Auto Insurance - Part B - MEDICAL PAYMENTS. Answer: 1 k per
person
- medical and funeral expenses within 3 years
- no fault
-anyone occupying vehicle
- also covers insured and their family as pedestirans
◉ maximum limits for flood insurance coverage. Answer: Dwelling -
Emergency Program - 35k
Regular Program - 250k
,◉ Standard Flood Deductibles. Answer: - Building &contents - $1000
◉ Definition of flood. Answer: -temporary water from a natural
source
-Mudflow
-Water from inside the house is not a flood
◉ items not covered by flood ins. Answer: -fences, walls, pools,
bridges, docks
-personal property outside of house
-personal prop in basement
-indirect loss
◉ Replacement cost for flood insurance. Answer: only available for a
single family dwelling insured at least 80%
- everything else is acv
◉ Application for the NFIP. Answer: -agent does not have binding
authority
- 30 day waiting period
- waived if bought when the house has a mortgage
◉ Auto Collision Coverage Exclusions. Answer: glass
,falling objects
collision w/ animals
◉ Combined Single Limit. Answer: 85k PD and BI in a single limit
◉ Mobile Home Insurance. Answer: can be endorsement to dwelling
or homeowners policy or written as stand-alone policy
◉ Personal Articles Floater. Answer: Personal Inland Marine
insurance which provides all-risk coverage on nine optional classes
of personal property: jewelry, furs, cameras, musical instruments,
silverware, golf equipment, fine arts, stamp collections and coin
collections.
REQUIRES APPRAISAL
- open perils
excludes insects, wear and tear, and inherent vice
- usually no deductible and automatic coverage for newly acquired
items
◉ Personal Effects Floater. Answer: called TRAVELERS Baggage
, -designed to insure personal belongings of people while traveling
◉ Personal Effects Floater Exclusions. Answer: money, passports,
tickets, contact lenses, prosthetics
◉ personal watercraft Insurance -Boatowners Policy. Answer: -
covers boats that can be towed, property & liability/med
-less than 26 ft
◉ Yacht Policy
(Personal Watercraft Insurance). Answer: -larger than 26 ft
-included coverage for the boat (hull_, trailer, and protection and
indemnity (liability)
◉ Umbrella Policy. Answer: -large $$ amount of excess liability (1
mil and high)
-requires primary underlying polices to be in force
-excess coverage - pays over and above base policy limits
◉ if a primary policy is not in effect what does the umbrella policy
pay?. Answer: the excess
EVALUATION 2026 QUESTIONS WITH
PRACTICE SOLUTION GRADED A+
◉ Combined Single-Limit Coverage. Answer: 85k PD and BI in a
single Limit
◉ If drving a nonowned auto (borrowed vehicle). Answer: - the
owners auto is primary coverage
- the the borrowers insureds policy is excess (if needed )
◉ Auto Insurance - Part B - MEDICAL PAYMENTS. Answer: 1 k per
person
- medical and funeral expenses within 3 years
- no fault
-anyone occupying vehicle
- also covers insured and their family as pedestirans
◉ maximum limits for flood insurance coverage. Answer: Dwelling -
Emergency Program - 35k
Regular Program - 250k
,◉ Standard Flood Deductibles. Answer: - Building &contents - $1000
◉ Definition of flood. Answer: -temporary water from a natural
source
-Mudflow
-Water from inside the house is not a flood
◉ items not covered by flood ins. Answer: -fences, walls, pools,
bridges, docks
-personal property outside of house
-personal prop in basement
-indirect loss
◉ Replacement cost for flood insurance. Answer: only available for a
single family dwelling insured at least 80%
- everything else is acv
◉ Application for the NFIP. Answer: -agent does not have binding
authority
- 30 day waiting period
- waived if bought when the house has a mortgage
◉ Auto Collision Coverage Exclusions. Answer: glass
,falling objects
collision w/ animals
◉ Combined Single Limit. Answer: 85k PD and BI in a single limit
◉ Mobile Home Insurance. Answer: can be endorsement to dwelling
or homeowners policy or written as stand-alone policy
◉ Personal Articles Floater. Answer: Personal Inland Marine
insurance which provides all-risk coverage on nine optional classes
of personal property: jewelry, furs, cameras, musical instruments,
silverware, golf equipment, fine arts, stamp collections and coin
collections.
REQUIRES APPRAISAL
- open perils
excludes insects, wear and tear, and inherent vice
- usually no deductible and automatic coverage for newly acquired
items
◉ Personal Effects Floater. Answer: called TRAVELERS Baggage
, -designed to insure personal belongings of people while traveling
◉ Personal Effects Floater Exclusions. Answer: money, passports,
tickets, contact lenses, prosthetics
◉ personal watercraft Insurance -Boatowners Policy. Answer: -
covers boats that can be towed, property & liability/med
-less than 26 ft
◉ Yacht Policy
(Personal Watercraft Insurance). Answer: -larger than 26 ft
-included coverage for the boat (hull_, trailer, and protection and
indemnity (liability)
◉ Umbrella Policy. Answer: -large $$ amount of excess liability (1
mil and high)
-requires primary underlying polices to be in force
-excess coverage - pays over and above base policy limits
◉ if a primary policy is not in effect what does the umbrella policy
pay?. Answer: the excess
