8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
PA Property & Casualty License Practice EXAM
(2025/2026) Updated: EXAM QUESTIONS WITH
ACCURATE ANSWERS | GET IT RIGHT!!
Save
Terms in this set (173)
An exclusion that states an Earth movement exclusion
that an insurer will not pay
any claim in which an
individuals property is
damaged as a result of an
earthquake, mudslide,
landslide, or sinkhole.
An exclusion that states Neglect exclusion
that an insurer will not pay
any claim in which an
individuals property is
damaged as a result of the
fact that the individual did
not maintain the property.
Which Home Owner's HO-6 Unit Owner's Form
form covers damage to a
condo owner's PROPERTY
that occurs as the result of
any event that is not
specifically excluded in
the policy.
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,8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
Which Home Owner's HO-4 Content's Broad Form
form covers damage to a
TENANT'S property that
occurs as a result of an
aircraft, civil commotion,
explosion, fire, nail,
lightning, smoke, theft,
vandalism, vehicles and/or
wind.
Which HO form covers HO-3 Special Form
damage to the DWELLING
that occurs as the result of
any event that is not
specifically excluded in
the policy and damage to
the property inside the
dwelling that results of an
aircraft, civil commotion,
explosion, fire, hail,
lightning, smoke, theft,
vandalism, vehicles,
and/or wind.
Which HO Form covers HO - 5 Comprehensive Form
damage to the DWELLING
& PROPERTY inside the
dwelling that occurs as an
result of any event that is
not specifically excluded
in the policy.
What means conducting Compliance
business in accordance
with current rules and laws
set by government
regulatory agencies and
the courts.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 2/48
,8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
Standards of conduct and Ethics
moral judgement.
Legal term that describes Agency
the relationship between
parties.
What is the term to Agency Contract
describe how an insurer
appoints an individual to
act on its behalf.
An individual whose Fiduciary
position and
responsibilities involve a
high degree of trust and
confidence (trustees,
guardians, and executors).
The name for the fact a Needs Selling
producer must sell the
kind of policies that best
fit the prospects needs
and in amounts that the
prospects can afford.
What is given when the Conditional Receipt
applicant pays the initial
premium at the time the
application for a policy is
signed.
What is the term for Full Disclosure
informing the prospect or
client of all facts involving
a specific policy or plan
so that an informed
decision can be made.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 3/48
, 8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
What is the name for the Insurance Standards Association (IMSA)
watchdog group whose
member companies agree
to adhere to and enforce
ethical principles.
What Act deals with the Unfair Trade Practices Act
inappropriate use of
advertising.
Any written or oral Misrepresentation
statement that does not
accurately describe a
policy's features, benefits,
or coverage.
Any false, maliciously, Defamation
critical or derogatory
communication that injures
another's reputation, fame,
or character.
What is the term if the Rebating
buyer of an insurance
policy receives any part of
the producers commission
or anything else of
significant values as an
inducement to purchase a
policy.
The unethical act of Twisting.
persuading a policy owner
to drop a policy solely for
the purpose of selling
another policy without
regard to the possible
disadvantages to the
policy owner.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 4/48
PA Property & Casualty License Practice EXAM
(2025/2026) Updated: EXAM QUESTIONS WITH
ACCURATE ANSWERS | GET IT RIGHT!!
Save
Terms in this set (173)
An exclusion that states an Earth movement exclusion
that an insurer will not pay
any claim in which an
individuals property is
damaged as a result of an
earthquake, mudslide,
landslide, or sinkhole.
An exclusion that states Neglect exclusion
that an insurer will not pay
any claim in which an
individuals property is
damaged as a result of the
fact that the individual did
not maintain the property.
Which Home Owner's HO-6 Unit Owner's Form
form covers damage to a
condo owner's PROPERTY
that occurs as the result of
any event that is not
specifically excluded in
the policy.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 1/48
,8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
Which Home Owner's HO-4 Content's Broad Form
form covers damage to a
TENANT'S property that
occurs as a result of an
aircraft, civil commotion,
explosion, fire, nail,
lightning, smoke, theft,
vandalism, vehicles and/or
wind.
Which HO form covers HO-3 Special Form
damage to the DWELLING
that occurs as the result of
any event that is not
specifically excluded in
the policy and damage to
the property inside the
dwelling that results of an
aircraft, civil commotion,
explosion, fire, hail,
lightning, smoke, theft,
vandalism, vehicles,
and/or wind.
Which HO Form covers HO - 5 Comprehensive Form
damage to the DWELLING
& PROPERTY inside the
dwelling that occurs as an
result of any event that is
not specifically excluded
in the policy.
What means conducting Compliance
business in accordance
with current rules and laws
set by government
regulatory agencies and
the courts.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 2/48
,8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
Standards of conduct and Ethics
moral judgement.
Legal term that describes Agency
the relationship between
parties.
What is the term to Agency Contract
describe how an insurer
appoints an individual to
act on its behalf.
An individual whose Fiduciary
position and
responsibilities involve a
high degree of trust and
confidence (trustees,
guardians, and executors).
The name for the fact a Needs Selling
producer must sell the
kind of policies that best
fit the prospects needs
and in amounts that the
prospects can afford.
What is given when the Conditional Receipt
applicant pays the initial
premium at the time the
application for a policy is
signed.
What is the term for Full Disclosure
informing the prospect or
client of all facts involving
a specific policy or plan
so that an informed
decision can be made.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 3/48
, 8/25/25, 7:18 AM PA Property & Casualty License Practice EXAM (2025/2026) Updated: EXAM QUESTIONS WITH ACCURATE ANSWERS | GET IT…
What is the name for the Insurance Standards Association (IMSA)
watchdog group whose
member companies agree
to adhere to and enforce
ethical principles.
What Act deals with the Unfair Trade Practices Act
inappropriate use of
advertising.
Any written or oral Misrepresentation
statement that does not
accurately describe a
policy's features, benefits,
or coverage.
Any false, maliciously, Defamation
critical or derogatory
communication that injures
another's reputation, fame,
or character.
What is the term if the Rebating
buyer of an insurance
policy receives any part of
the producers commission
or anything else of
significant values as an
inducement to purchase a
policy.
The unethical act of Twisting.
persuading a policy owner
to drop a policy solely for
the purpose of selling
another policy without
regard to the possible
disadvantages to the
policy owner.
https://quizlet.com/1068102163/pa-property-casualty-license-practice-exam-20252026-updated-exam-questions-with-accurate-answers-get-it-right-fla… 4/48
