State Farm Fire Independent Policy Exam
Questions and Answers (A+ Graded 100%
Verified)
• Under which of the following coverages does the deductible not apply? -✓✓There are
three coverages in which the deductible does not apply: Fire Department Service
Charge Credit Card, Bank Fund Transfer Card, Forgery and Counterfeit Money Locks
These coverages are found on pages 5 & 7 of the FP-7955 policy.
• Select the three coverages provided under Coverage C - Loss of Use? -✓✓1-Additonal
living expense
2-Fair rental value
3-Prohibited use
• Which statement is not true regarding Coverage B - Personal Property? -✓✓The limit
of liability for damage to firearms caused by any of the 16 named perils is limited to
$2500 in the aggregate
Comments: That's right! The $2500 special limit for fire arms only applies to the peril of
theft.
• Coverage A - Dwelling Extension limits are typically 10% of Coverage A - Dwelling
limits. -✓✓True-
Comments: Coverage A - Dwelling Extension limits are typically 10% of Coverage A -
Dwelling limits but more can be purchased.
• The third step in applying the deductible is to pay the greater of the two amounts
arrived at in step one and step two. -✓✓False-
Comments: The third step in applying the deductible is to pay the lesser of the two
amounts arrived at in step one and step two.
• The definition of an insured includes all of the following except: -✓✓A spouse not
named in the policy and not living in the household
Comments: All of these individuals meet the definition of an insured except a spouse
not named in the policy and not living in the household. A spouse does not have to be
named in the policy to be considered an insured but they must live in the household.
Refer to Definitions on page 1 of the FP-7955 policy.
• The named insured is a finish carpenter and keeps leftover trim boards from job sites
in a detached garage on the residence premises. The insured has no plans to use the
trim boards. The trim boards are covered under Coverage A. -✓✓False-
, Comments: Since the insured has no plans to use the trim boards for the construction,
alteration or repair of the dwelling or other structures on the residence premises, the
trim boards would not be covered under Coverage A - Dwelling. Refer to Sect. I
Coverages, Coverage A - Dwelling, paragraph 1.b.
• Which of the following is not considered Coverage A? -✓✓Free-standing range
Comments: All of the items listed are considered Coverage A except the free-standing
range. A free-standing range is not permanently attached to Coverage A property and
removing the free-standing range would not deface the property.
• Rain blows through a window that was accidentally left open and damages a throw
rug. The damage to the rug is covered under Coverage B - Personal Property. -
✓✓False-
Comments: In order for coverage to apply to Coverage B property inside a building
there must first be an opening created in the roof or wall of the building caused by wind
or hail allowing rain, snow, sleet, sand or dust to enter. Since the window was left open,
the water damaged rug is not covered. Refer to Sect. I - Losses Insured, Coverage B -
Personal Property, paragraph 2.
• Rain blows through a window that was accidentally left open and causes damage to
wall drywall, carpet, and an upholstered chair. Wind blows through the window and
causes a lamp to fall off an end table and break. All repair/replacement has been
completed. The deductible is $500. How much is payable for this loss?
Wall drywall repair $1,100
Lamp replacement $150
Carpet replacement $1,350
Chair replacement $850 -✓✓$2,100
Comments: All items are covered except the chair. The chair was damaged by rain
through an open window, not through an opening created by wind or hail so no
coverage applies. The vase was damaged directly by wind, not water, so coverage does
apply. Coverage A property is covered for ADPL and no exclusions apply to Coverage
A.
• A clock falls off a wall and damages a piano. Coverage for the piano would: -✓✓Not
apply since the cause of loss is not a named peril
Comments: Of the 16 named perils applying to Coverage B - Personal Property, only
the falling object peril comes close to providing coverage for this loss; however, in order
for coverage to apply to personal property inside a building, the falling object must first
damage the exterior roof or wall of the building. The clock falling off a wall onto another
item does not meet this policy provision. Refer to Sect. I, Losses Insured, Coverage B -
Personal Property, paragraph 10 (pg. 8).
• Select the items that would not qualify as a Coverage A structure. -✓✓A stand alone
patio cover with no foundation or other permanent attachment
Comments: To qualify as Coverage A property, the structure must be attached to the
dwelling, or, permanently attached to or otherwise forming a part of the realty. Neither
Questions and Answers (A+ Graded 100%
Verified)
• Under which of the following coverages does the deductible not apply? -✓✓There are
three coverages in which the deductible does not apply: Fire Department Service
Charge Credit Card, Bank Fund Transfer Card, Forgery and Counterfeit Money Locks
These coverages are found on pages 5 & 7 of the FP-7955 policy.
• Select the three coverages provided under Coverage C - Loss of Use? -✓✓1-Additonal
living expense
2-Fair rental value
3-Prohibited use
• Which statement is not true regarding Coverage B - Personal Property? -✓✓The limit
of liability for damage to firearms caused by any of the 16 named perils is limited to
$2500 in the aggregate
Comments: That's right! The $2500 special limit for fire arms only applies to the peril of
theft.
• Coverage A - Dwelling Extension limits are typically 10% of Coverage A - Dwelling
limits. -✓✓True-
Comments: Coverage A - Dwelling Extension limits are typically 10% of Coverage A -
Dwelling limits but more can be purchased.
• The third step in applying the deductible is to pay the greater of the two amounts
arrived at in step one and step two. -✓✓False-
Comments: The third step in applying the deductible is to pay the lesser of the two
amounts arrived at in step one and step two.
• The definition of an insured includes all of the following except: -✓✓A spouse not
named in the policy and not living in the household
Comments: All of these individuals meet the definition of an insured except a spouse
not named in the policy and not living in the household. A spouse does not have to be
named in the policy to be considered an insured but they must live in the household.
Refer to Definitions on page 1 of the FP-7955 policy.
• The named insured is a finish carpenter and keeps leftover trim boards from job sites
in a detached garage on the residence premises. The insured has no plans to use the
trim boards. The trim boards are covered under Coverage A. -✓✓False-
, Comments: Since the insured has no plans to use the trim boards for the construction,
alteration or repair of the dwelling or other structures on the residence premises, the
trim boards would not be covered under Coverage A - Dwelling. Refer to Sect. I
Coverages, Coverage A - Dwelling, paragraph 1.b.
• Which of the following is not considered Coverage A? -✓✓Free-standing range
Comments: All of the items listed are considered Coverage A except the free-standing
range. A free-standing range is not permanently attached to Coverage A property and
removing the free-standing range would not deface the property.
• Rain blows through a window that was accidentally left open and damages a throw
rug. The damage to the rug is covered under Coverage B - Personal Property. -
✓✓False-
Comments: In order for coverage to apply to Coverage B property inside a building
there must first be an opening created in the roof or wall of the building caused by wind
or hail allowing rain, snow, sleet, sand or dust to enter. Since the window was left open,
the water damaged rug is not covered. Refer to Sect. I - Losses Insured, Coverage B -
Personal Property, paragraph 2.
• Rain blows through a window that was accidentally left open and causes damage to
wall drywall, carpet, and an upholstered chair. Wind blows through the window and
causes a lamp to fall off an end table and break. All repair/replacement has been
completed. The deductible is $500. How much is payable for this loss?
Wall drywall repair $1,100
Lamp replacement $150
Carpet replacement $1,350
Chair replacement $850 -✓✓$2,100
Comments: All items are covered except the chair. The chair was damaged by rain
through an open window, not through an opening created by wind or hail so no
coverage applies. The vase was damaged directly by wind, not water, so coverage does
apply. Coverage A property is covered for ADPL and no exclusions apply to Coverage
A.
• A clock falls off a wall and damages a piano. Coverage for the piano would: -✓✓Not
apply since the cause of loss is not a named peril
Comments: Of the 16 named perils applying to Coverage B - Personal Property, only
the falling object peril comes close to providing coverage for this loss; however, in order
for coverage to apply to personal property inside a building, the falling object must first
damage the exterior roof or wall of the building. The clock falling off a wall onto another
item does not meet this policy provision. Refer to Sect. I, Losses Insured, Coverage B -
Personal Property, paragraph 10 (pg. 8).
• Select the items that would not qualify as a Coverage A structure. -✓✓A stand alone
patio cover with no foundation or other permanent attachment
Comments: To qualify as Coverage A property, the structure must be attached to the
dwelling, or, permanently attached to or otherwise forming a part of the realty. Neither
