State Farm Policy Pretest Exam Questions and Answers 2025/2026
Update
A commemorative plate located on top of the upper cabinets in the kitchen falls and lands on an
heirloom soup terrine breaking both. Which statement is true?
(A) Both pieces are covered under the Falling Object Peril
(B) Only the soup terrine is covered from damage resulting from the Falling Object
(C) Neither is covered under the Falling Object Peril - (C) Neither is covered under the
Falling Object Peril
Mr. Holder's roof has sustained damaged by birds and rodents. During a rain storm, water entered
the home through this roof damage causing damage to the ceiling and a throw rug. What can you
pay for on this loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above - (A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to dwelling extensions,
other structures? - False
Due to a general power outage in the area, the food in Mr. Holder's freezer spoiled and the resulting
smell ruined the freezer. We can pay to replace both the food and the freezer? - False
Option ID applies to the dwelling and other structures. - False
,The beach house furnishings have been replaced and you have verified the replacement cost at
$25,459.99. The coverage B limits are $100,000.00. Consider the $250.00 deductible in your
calculations. How much would you pay on this loss?
(A)$25,209.99
(B)$9,750
(C)$10,000.00
(D)None of the above - (C)$10,000.00
Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is away, her home is broken
in to and her Mink Coat and silverware is stolen. Which of the following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs listed in the declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the declarations.
(D)Silverware is not considered Jewelry in the Policy - (D)Silverware is not considered
Jewelry in the Policy
When property is damaged we owe actual cash value (ACV) at the time of the loss. After the
repairs are made we would owe replacement cost (RCV) up to the limit of the market value. -
False
Which of the following is true about Jewelry and Fur coverage under Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has been purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this Option
, (E)The limits for loss by Theft is shown in the Declarations for Coverage B, plus the aggregate
limit
(F)None of the above - (F)None of the above
The furnishings are covered up to the Coverage B limits - False
Mr. Holder grows exotic plants, as a hobby, which he discovered on a tropical island. During a
severe thunderstorm, strong winds blew down a tree onto the electric mast located on the roof of
his house causing the electricity to go out. Mr. Holder was away for a week during this time and
all of the plants died due to the change in temperature inside the home. In order to pay the claim
you must verify?
(A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above - (D)All of the above
During an approaching hurricane the local authorities ordered an evacuation which lasted three
weeks. Mr. Holder hired some helpers to load his personal property on to a rental truck and he
moved the items to a safe location. After the all clear signal was given and our Insured moved his
contents back home, he submitted the following bills. What items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
Update
A commemorative plate located on top of the upper cabinets in the kitchen falls and lands on an
heirloom soup terrine breaking both. Which statement is true?
(A) Both pieces are covered under the Falling Object Peril
(B) Only the soup terrine is covered from damage resulting from the Falling Object
(C) Neither is covered under the Falling Object Peril - (C) Neither is covered under the
Falling Object Peril
Mr. Holder's roof has sustained damaged by birds and rodents. During a rain storm, water entered
the home through this roof damage causing damage to the ceiling and a throw rug. What can you
pay for on this loss?
(A)The ceiling
(B)The throw rug
(C)The roof, ceiling, and throw rug
(D)All of the above
(E)None of the above - (A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to dwelling extensions,
other structures? - False
Due to a general power outage in the area, the food in Mr. Holder's freezer spoiled and the resulting
smell ruined the freezer. We can pay to replace both the food and the freezer? - False
Option ID applies to the dwelling and other structures. - False
,The beach house furnishings have been replaced and you have verified the replacement cost at
$25,459.99. The coverage B limits are $100,000.00. Consider the $250.00 deductible in your
calculations. How much would you pay on this loss?
(A)$25,209.99
(B)$9,750
(C)$10,000.00
(D)None of the above - (C)$10,000.00
Mrs. P Holder's Policy Limits for Coverage B is $90,000. While she is away, her home is broken
in to and her Mink Coat and silverware is stolen. Which of the following statements are true:
(A)Coverage would only be extended to Jewelry, silverware and Furs listed in the declarations
(B)The limit for all jewelry and furs for the peril of Theft is $2500.00
(C)No coverage for Jewelry and Furs unless Option JF is shown in the declarations.
(D)Silverware is not considered Jewelry in the Policy - (D)Silverware is not considered
Jewelry in the Policy
When property is damaged we owe actual cash value (ACV) at the time of the loss. After the
repairs are made we would owe replacement cost (RCV) up to the limit of the market value. -
False
Which of the following is true about Jewelry and Fur coverage under Option JF?
(A)Coverage is only available for Jewelry and Furs when Option JF has been purchased
(B)The limit for jewelry and furs for all perils is $2500
(C)Coverage is limited to the 16 Named Perils
(D)Insects, vermin and inherent vice damage is covered under this Option
, (E)The limits for loss by Theft is shown in the Declarations for Coverage B, plus the aggregate
limit
(F)None of the above - (F)None of the above
The furnishings are covered up to the Coverage B limits - False
Mr. Holder grows exotic plants, as a hobby, which he discovered on a tropical island. During a
severe thunderstorm, strong winds blew down a tree onto the electric mast located on the roof of
his house causing the electricity to go out. Mr. Holder was away for a week during this time and
all of the plants died due to the change in temperature inside the home. In order to pay the claim
you must verify?
(A)The Power interruption was caused by a loss insured.
(B)The power interruption took place on the residence premises.
(C)Power lines off the residence premises remained energized
(D)All of the above
(E)None of the above - (D)All of the above
During an approaching hurricane the local authorities ordered an evacuation which lasted three
weeks. Mr. Holder hired some helpers to load his personal property on to a rental truck and he
moved the items to a safe location. After the all clear signal was given and our Insured moved his
contents back home, he submitted the following bills. What items, if any, are not covered?
(A)
Rental truck to move contents to and from safe storage.
(B)
Gas for the rental truck to and from the safe storage.
(C)
Wages paid for helpers to load the content items in to the truck
(D)
All the above
