State Farm Fire Independent Policy
Exam Questions and Answers (A+
Graded 100% Verified) LATEST
2025/2026
,Coverage A: Dwelling (Questions 1-10)
1. In an FP-7955 policy, Coverage A provides protection for:
• A) Personal property
• B) The dwelling and attached structures
• C) Additional living expenses
• D) Other structures on the premises
• Answer: B) The dwelling and attached structures
• Rationale: Coverage A specifically insures the dwelling described on the
Declarations page, including structures attached to it .
2. Which of the following IS included in Coverage A (Dwelling) under the FP -7955
policy?
• A) A detached garage
• B) Wall-to-wall carpeting attached to the dwelling
• C) Personal property stored in the basement
• D) A fence surrounding the property
• Answer: B) Wall-to-wall carpeting attached to the dwelling
• Rationale: Dwelling includes wall-to-wall carpeting attached to the dwelling,
foundation, floor slab, footings, and materials for construction/repair on the
premises .
, 3. Bill Smith constructed an awning beside his detached garage. He screwed the
framing to the fascia and supported the other side with posts set in concrete. Since
the awning has no foundation, it is NOT considered a Coverage A item.
• A) True
• B) False
• Answer: B) False
• Rationale: Structures attached to a building by rigid connection to the building
(screwed to fascia) are considered attached and thus covered under Coverage A,
not as an Other Structure .
4. Materials and supplies located on or adjacent to the residence premises for use
in construction, alteration, or repair of the dwelling are covered under:
• A) Coverage B
• B) Coverage C
• C) Coverage A
• D) Dwelling Extension
• Answer: C) Coverage A
• Rationale: The policy explicitly includes materials and supplies for construction,
alteration, or repair of the dwelling or other structures as part of Coverage A .
5. Dwelling Extension coverage applies to:
• A) Personal property while away from the premises
• B) Other structures on the residence premises separated from the dwelling by
clear space
• C) Attached garages
• D) The insured's business property
• Answer: B) Other structures on the residence premises separated from the
dwelling by clear space
• Rationale: Dwelling Extension (sometimes called Other Structures) covers
detached garages, sheds, and similar buildings not attached to the main
dwelling .
6. Which of the following is NOT covered under Dwelling Extension?
• A) A detached garage used solely as a private garage
• B) A shed used for storage of personal property
• C) A detached structure used in whole or in part for business purposes
• D) A fence surrounding the property
Exam Questions and Answers (A+
Graded 100% Verified) LATEST
2025/2026
,Coverage A: Dwelling (Questions 1-10)
1. In an FP-7955 policy, Coverage A provides protection for:
• A) Personal property
• B) The dwelling and attached structures
• C) Additional living expenses
• D) Other structures on the premises
• Answer: B) The dwelling and attached structures
• Rationale: Coverage A specifically insures the dwelling described on the
Declarations page, including structures attached to it .
2. Which of the following IS included in Coverage A (Dwelling) under the FP -7955
policy?
• A) A detached garage
• B) Wall-to-wall carpeting attached to the dwelling
• C) Personal property stored in the basement
• D) A fence surrounding the property
• Answer: B) Wall-to-wall carpeting attached to the dwelling
• Rationale: Dwelling includes wall-to-wall carpeting attached to the dwelling,
foundation, floor slab, footings, and materials for construction/repair on the
premises .
, 3. Bill Smith constructed an awning beside his detached garage. He screwed the
framing to the fascia and supported the other side with posts set in concrete. Since
the awning has no foundation, it is NOT considered a Coverage A item.
• A) True
• B) False
• Answer: B) False
• Rationale: Structures attached to a building by rigid connection to the building
(screwed to fascia) are considered attached and thus covered under Coverage A,
not as an Other Structure .
4. Materials and supplies located on or adjacent to the residence premises for use
in construction, alteration, or repair of the dwelling are covered under:
• A) Coverage B
• B) Coverage C
• C) Coverage A
• D) Dwelling Extension
• Answer: C) Coverage A
• Rationale: The policy explicitly includes materials and supplies for construction,
alteration, or repair of the dwelling or other structures as part of Coverage A .
5. Dwelling Extension coverage applies to:
• A) Personal property while away from the premises
• B) Other structures on the residence premises separated from the dwelling by
clear space
• C) Attached garages
• D) The insured's business property
• Answer: B) Other structures on the residence premises separated from the
dwelling by clear space
• Rationale: Dwelling Extension (sometimes called Other Structures) covers
detached garages, sheds, and similar buildings not attached to the main
dwelling .
6. Which of the following is NOT covered under Dwelling Extension?
• A) A detached garage used solely as a private garage
• B) A shed used for storage of personal property
• C) A detached structure used in whole or in part for business purposes
• D) A fence surrounding the property
