State Farm Property: Policy Pretest latest
updated exam 2025 -2026 |with expert
solutions alrady graded A+ | Download to Pass
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 - answer (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 - answer (A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to dwelling extensions,
other structures? - answer 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? -
answer False
Option ID applies to the dwelling and other structures. - answer 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 - answer (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 - answer (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. -
answer 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 - answer (F)None of the above
The furnishings are covered up to the Coverage B limits - answer 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 - answer (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)
updated exam 2025 -2026 |with expert
solutions alrady graded A+ | Download to Pass
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 - answer (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 - answer (A)The ceiling
Our Insured has Option ID for $20,000.00, which is applicable for repairs to dwelling extensions,
other structures? - answer 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? -
answer False
Option ID applies to the dwelling and other structures. - answer 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 - answer (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 - answer (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. -
answer 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 - answer (F)None of the above
The furnishings are covered up to the Coverage B limits - answer 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 - answer (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)
