Florida Personal Lines Updated Exam 2026 WITH Recent
Newest Verified And Well Analyzed Exam Questions (Actual
Exam 2026-2027) Correct Detailed & Verified ANSWERS
(100% Accurate Solutions) ALREADY GRADED A+||NEWEST
VERSION Of The Exam Guarantee Pass!!
Under Part A of a Personal Auto Policy, which of the following losses would be
covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the insured
D.) Damage to the home the insured owns -ANSWERS-B.) Damage to a neighbor's
parked car
An insured owns a home with a replacement cost of $300,000 and a market value of
$250,000. What is the most a valued policy will pay in the event of a total loss without a
deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000 -ANSWERS-C.) The policy limit
Policyholder J hit a deer with their Honda. J has collision coverage with a $250
deductible and other than collision coverage with a $50 deductible. The damage to J's
car was $450. How much will the policy pay?
A.) $200
B.) Nothing
,C.) $400
D.) $150 -ANSWERS-C.) $400
Under all the Dwelling Forms, the dwelling described in the Declarations is covered
under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
D.) Coverage C -ANSWERS-A.) Coverage A
If an owner-occupied home is totally destroyed without fraud by a fire, the amount of the
loss is based on:
A.) The coinsurance value
B.) The replacement value
C.) The market value
D.) The policy limit -ANSWERS-D.) The policy limit
A false statement in the application for insurance is called a:
A.) Warranty
B.) Concealment
C.) Representation
D.) Misrepresentation -ANSWERS-D.) Misrepresentation
When a claimant brings a negligence claim against the insured, the court determines
that the claimant is partially responsible for the loss, and the damages they are owed is
reduced by the amount of their responsibility. This describes which defense against
negligence?
,A.) Comparative negligence
B.) Contributory negligence
C.) Contributory risk
D.) Comparative risk -ANSWERS-A.) Comparative negligence
All of the following statements about liability are true, except:
A.) The burden of proof is on the injured party to prove that the other party was
negligent
B.) Liability policies pay costs incurred by an insured to sue negligent third parties
C.) An insured may be liable for damages to an injured party, even if they are not
deemed negligent
D.) Breach of contract is not considered an act of negligence -ANSWERS-B.) Liability
policies pay costs incurred by an insured to sue negligent third parties
Under Part A - Liability Coverage of a Personal Auto policy, which of the following
statements regarding the limit of liability is incorrect?
A.) The limit of liability is the maximum the policy will pay regardless of the number of
insureds
B.) The limit of liability is the maximum the policy will pay regardless of the number of
vehicles involved in the accident
C.) If the loss is covered under more than one part of the policy, payment will be
duplicated
D.) A combined single limit is the maximum the policy will pay in any one accident for
bodily injury and property damage -ANSWERS-C.) If the loss is covered under more
than one part of the policy, payment will be duplicated
Which of the following is true regarding the Fine Arts Floater?
, A.) Coverage is limited to the United States, Canada, and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired items for 90 days
D.) It settles losses on an ACV basis -ANSWERS-C.) It provides automatic coverage on
newly acquired items for 90 days
All of the following statements are correct about a Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental
business
C.) A Homeowners Policy will not cover theft of a boat away from premises
D.) Coverage D of a Homeowners Policy covers additional living expenses -ANSWERS-
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental
business
Under disability income insurance, a monthly benefit will be ________ of the insured's
monthly income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% -ANSWERS-B.) 66 2/3%
All of the following items of property are considered property not covered under
Coverage C of a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
Newest Verified And Well Analyzed Exam Questions (Actual
Exam 2026-2027) Correct Detailed & Verified ANSWERS
(100% Accurate Solutions) ALREADY GRADED A+||NEWEST
VERSION Of The Exam Guarantee Pass!!
Under Part A of a Personal Auto Policy, which of the following losses would be
covered?
A.) Damage to property being transported by the insured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of the insured
D.) Damage to the home the insured owns -ANSWERS-B.) Damage to a neighbor's
parked car
An insured owns a home with a replacement cost of $300,000 and a market value of
$250,000. What is the most a valued policy will pay in the event of a total loss without a
deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000 -ANSWERS-C.) The policy limit
Policyholder J hit a deer with their Honda. J has collision coverage with a $250
deductible and other than collision coverage with a $50 deductible. The damage to J's
car was $450. How much will the policy pay?
A.) $200
B.) Nothing
,C.) $400
D.) $150 -ANSWERS-C.) $400
Under all the Dwelling Forms, the dwelling described in the Declarations is covered
under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
D.) Coverage C -ANSWERS-A.) Coverage A
If an owner-occupied home is totally destroyed without fraud by a fire, the amount of the
loss is based on:
A.) The coinsurance value
B.) The replacement value
C.) The market value
D.) The policy limit -ANSWERS-D.) The policy limit
A false statement in the application for insurance is called a:
A.) Warranty
B.) Concealment
C.) Representation
D.) Misrepresentation -ANSWERS-D.) Misrepresentation
When a claimant brings a negligence claim against the insured, the court determines
that the claimant is partially responsible for the loss, and the damages they are owed is
reduced by the amount of their responsibility. This describes which defense against
negligence?
,A.) Comparative negligence
B.) Contributory negligence
C.) Contributory risk
D.) Comparative risk -ANSWERS-A.) Comparative negligence
All of the following statements about liability are true, except:
A.) The burden of proof is on the injured party to prove that the other party was
negligent
B.) Liability policies pay costs incurred by an insured to sue negligent third parties
C.) An insured may be liable for damages to an injured party, even if they are not
deemed negligent
D.) Breach of contract is not considered an act of negligence -ANSWERS-B.) Liability
policies pay costs incurred by an insured to sue negligent third parties
Under Part A - Liability Coverage of a Personal Auto policy, which of the following
statements regarding the limit of liability is incorrect?
A.) The limit of liability is the maximum the policy will pay regardless of the number of
insureds
B.) The limit of liability is the maximum the policy will pay regardless of the number of
vehicles involved in the accident
C.) If the loss is covered under more than one part of the policy, payment will be
duplicated
D.) A combined single limit is the maximum the policy will pay in any one accident for
bodily injury and property damage -ANSWERS-C.) If the loss is covered under more
than one part of the policy, payment will be duplicated
Which of the following is true regarding the Fine Arts Floater?
, A.) Coverage is limited to the United States, Canada, and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired items for 90 days
D.) It settles losses on an ACV basis -ANSWERS-C.) It provides automatic coverage on
newly acquired items for 90 days
All of the following statements are correct about a Homeowners Policy, except:
A.) Home schooling is covered under a Homeowners Policy
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental
business
C.) A Homeowners Policy will not cover theft of a boat away from premises
D.) Coverage D of a Homeowners Policy covers additional living expenses -ANSWERS-
B.) Coverage D of a Homeowners Policy includes loss of income from an incidental
business
Under disability income insurance, a monthly benefit will be ________ of the insured's
monthly income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4% -ANSWERS-B.) 66 2/3%
All of the following items of property are considered property not covered under
Coverage C of a Homeowners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
