Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
On a HO3 policy, a deductible would apply to which of the
following:
a. Appurtenant Structures
b. Medical Payments to Others
c. Fire Department Service Charges
d. Defense for unintentional credit card fraud -
correct answer ✅a. Appurtenant Structures
Deductibles can be found where in the policy?
a. Insuring Agreement
b. Conditions
c. Exclusions
d. Declarations Page -
correct answer ✅d. Declarations Page
An insurance company must be examined by the state insurance
department once every:
a. Year
b. 2 years
,Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
c. 3 years
d. 5 years -
correct answer ✅d. 5 years
Which of the following would be covered by Comprehensive
coverage on an auto policy?
a. A fence that the insured backs into
b. The insureds car hit by a train
c. Damage to a telephone pole the insured strikes
d. Damage to the vehicle after striking a deer -
correct answer ✅d. Damage to the vehicle after striking a deer
Which of the following would be covered by a HO3?
a. Fuel oil spillage to structure
b. Termites
c. Flood Damage to the home
d. Mechanical Breakdown -
correct answer ✅a. Fuel oil spillage to structure
,Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
Which of the following best represents ACV?
a. Today's cost plus appreciation
b. Today's cost less depreciation
c. Today's cost less market value
d. Selling price of the home -
correct answer ✅b. Today's cost less depreciation
A tenant with broad perils for personal property would have which
policy?
a. HO8
b. HO3
c. HO4
d. HO5 -
correct answer ✅c. HO4
Which of the following best describes robbery?
a. Breaking into a store leading to theft
b. Stealing from a safe
c. Stealing from a business after hours
, Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
d. Threaten or use of force leading to theft -
correct answer ✅d. Threaten or use of force leading to theft
If the insured carries liability limits of 100/300/50, what does the
50 represent?
a. Bodily Injury Per Person
b. Property Damage
c. Bodily Injury Per Occurrence
d. Medical payments -
correct answer ✅b. Property Damage
Stealing something from an open business would be?
a. Theft
b. Robbery
c. Burglary
d. Mysterious Disappearance -
correct answer ✅a. Theft
If you make false statements about another insurance company,
what illegal practice are you committing?
2044 Exam Actual Questions and
Answers 2026
On a HO3 policy, a deductible would apply to which of the
following:
a. Appurtenant Structures
b. Medical Payments to Others
c. Fire Department Service Charges
d. Defense for unintentional credit card fraud -
correct answer ✅a. Appurtenant Structures
Deductibles can be found where in the policy?
a. Insuring Agreement
b. Conditions
c. Exclusions
d. Declarations Page -
correct answer ✅d. Declarations Page
An insurance company must be examined by the state insurance
department once every:
a. Year
b. 2 years
,Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
c. 3 years
d. 5 years -
correct answer ✅d. 5 years
Which of the following would be covered by Comprehensive
coverage on an auto policy?
a. A fence that the insured backs into
b. The insureds car hit by a train
c. Damage to a telephone pole the insured strikes
d. Damage to the vehicle after striking a deer -
correct answer ✅d. Damage to the vehicle after striking a deer
Which of the following would be covered by a HO3?
a. Fuel oil spillage to structure
b. Termites
c. Flood Damage to the home
d. Mechanical Breakdown -
correct answer ✅a. Fuel oil spillage to structure
,Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
Which of the following best represents ACV?
a. Today's cost plus appreciation
b. Today's cost less depreciation
c. Today's cost less market value
d. Selling price of the home -
correct answer ✅b. Today's cost less depreciation
A tenant with broad perils for personal property would have which
policy?
a. HO8
b. HO3
c. HO4
d. HO5 -
correct answer ✅c. HO4
Which of the following best describes robbery?
a. Breaking into a store leading to theft
b. Stealing from a safe
c. Stealing from a business after hours
, Pearson Vue FL State Study guide -
2044 Exam Actual Questions and
Answers 2026
d. Threaten or use of force leading to theft -
correct answer ✅d. Threaten or use of force leading to theft
If the insured carries liability limits of 100/300/50, what does the
50 represent?
a. Bodily Injury Per Person
b. Property Damage
c. Bodily Injury Per Occurrence
d. Medical payments -
correct answer ✅b. Property Damage
Stealing something from an open business would be?
a. Theft
b. Robbery
c. Burglary
d. Mysterious Disappearance -
correct answer ✅a. Theft
If you make false statements about another insurance company,
what illegal practice are you committing?
