AZ adjuster pro exam (2025-2026) comprehensive questions and
verified detailed solutions ( MULTIPLE CHOICES) |100% CORRECT!!
George has an HO-2 policy falling objects and aircraft
on his home, one day a
plane flying overhead loses
a
tire which smashes through
George's roof, casuing
extensive damage to his
home and its contents.
George files a claim with
his
insurer for the damages
to his property. Which 2
perils under georges
insurer may cover the
claim
HO-2 Broad form NAMED PERIL POLICY
HO-4: Contents NAMED PERIL- renters insurance
HO-6: Unit owners NAMED PERIL FOR FINISHED SURFACES AND OWNERS
BELONGINGS
, LIMITED NAMED PERIL COVERAGE
HO-8: Modified email covers property at Actual Cash Value (deducts
depreciation for age, condition, and wear)
OPEN PERIL COVERAGE FOR DWELLING AND OTHER
HO-3: Special form STRUCTURES
NAMED PERIL COVERAGE for personal property (covered
against all broad forms)
OPEN PERIL COVERAGE FOR STRUCTURES AND PROPERTY
HO-5 Comprehensive Form
most comprehensive coverage available
fire, lightning, windstorm, hail, explosion, riot or civil
Covered perils
commotion, aircraft, vehicles, smoke, vandalism or
malicious mischief, theft, volcanic eruption
provides a specified amount of additional coverage for loss
Limited Fungi, Wet or Dry caused by fungi
Rot, or Bacteria Coverage
coverage only applies if fungi or rot is caused by a
Endorsement
covered peril and coverage amount includes the cost
of removing the fungi or rot, testing air, and replacing
Permitted Incidental provides a specified amount of coverage for on-premi
Occupancies Endorsement
homeowners endorsement as long as the business is
conducted by the insured on their residence premises
Home Day Care Coverage and scheduled in the endorsement.
Endorsement
amount of premium depends on number of children for
which the insured provides care (not including the
insureds own children)
endorsement that provides personal liability and medical
payments coverage for the insured's business pursuits
that are described in the endorsement
Business Pursuits Endorsement
coverage doesn't apply if the insured is the owner of or
partner in the business OR any liability arising out of
aircraft, hovercraft, motor vehicles, watercraft, or draft
animals
, specifically, this endorsement is intended for watercraft
powered by motors with more than 25 horsepower
and sailing vessels 26 feet or more in length
Watercraft Liability
Endorsement vessels must be scheduled in this endorsement
does not apply to watercraft being operated in racing
activities, being rented out by others. or craft used to
carry people for a fee
Involves injury arising out of such activities as oral or
Personal Injury written publication of material that slanders another
person, invasion of privacy, wrongful eviction, or
wrongful
entry
The permitted incidental a specified amount of coverage under Coverage B and
occupancies Coverage C for business purposes
endorsement to a
homeowners policy
provides
NAMED PERIL COVERAGE
DP-1 Basic Form
covers only fire, lighting, internal explosion
VMM: Vandalism and Mischief- intentional injury or
destruction of covered property (doesn't include theft,
DP-1 Basic form endorsements
burglary, larceny, pilferage)
Extended coverage: Windstorm. civil commotion,
smoke, hail, aircraft, vehicles, volcanic eruption,
external explosion, riot
Same perils as DP-1 Basic form + coverage for the
DP-2 Broad form
extended coverage endorsement perils
verified detailed solutions ( MULTIPLE CHOICES) |100% CORRECT!!
George has an HO-2 policy falling objects and aircraft
on his home, one day a
plane flying overhead loses
a
tire which smashes through
George's roof, casuing
extensive damage to his
home and its contents.
George files a claim with
his
insurer for the damages
to his property. Which 2
perils under georges
insurer may cover the
claim
HO-2 Broad form NAMED PERIL POLICY
HO-4: Contents NAMED PERIL- renters insurance
HO-6: Unit owners NAMED PERIL FOR FINISHED SURFACES AND OWNERS
BELONGINGS
, LIMITED NAMED PERIL COVERAGE
HO-8: Modified email covers property at Actual Cash Value (deducts
depreciation for age, condition, and wear)
OPEN PERIL COVERAGE FOR DWELLING AND OTHER
HO-3: Special form STRUCTURES
NAMED PERIL COVERAGE for personal property (covered
against all broad forms)
OPEN PERIL COVERAGE FOR STRUCTURES AND PROPERTY
HO-5 Comprehensive Form
most comprehensive coverage available
fire, lightning, windstorm, hail, explosion, riot or civil
Covered perils
commotion, aircraft, vehicles, smoke, vandalism or
malicious mischief, theft, volcanic eruption
provides a specified amount of additional coverage for loss
Limited Fungi, Wet or Dry caused by fungi
Rot, or Bacteria Coverage
coverage only applies if fungi or rot is caused by a
Endorsement
covered peril and coverage amount includes the cost
of removing the fungi or rot, testing air, and replacing
Permitted Incidental provides a specified amount of coverage for on-premi
Occupancies Endorsement
homeowners endorsement as long as the business is
conducted by the insured on their residence premises
Home Day Care Coverage and scheduled in the endorsement.
Endorsement
amount of premium depends on number of children for
which the insured provides care (not including the
insureds own children)
endorsement that provides personal liability and medical
payments coverage for the insured's business pursuits
that are described in the endorsement
Business Pursuits Endorsement
coverage doesn't apply if the insured is the owner of or
partner in the business OR any liability arising out of
aircraft, hovercraft, motor vehicles, watercraft, or draft
animals
, specifically, this endorsement is intended for watercraft
powered by motors with more than 25 horsepower
and sailing vessels 26 feet or more in length
Watercraft Liability
Endorsement vessels must be scheduled in this endorsement
does not apply to watercraft being operated in racing
activities, being rented out by others. or craft used to
carry people for a fee
Involves injury arising out of such activities as oral or
Personal Injury written publication of material that slanders another
person, invasion of privacy, wrongful eviction, or
wrongful
entry
The permitted incidental a specified amount of coverage under Coverage B and
occupancies Coverage C for business purposes
endorsement to a
homeowners policy
provides
NAMED PERIL COVERAGE
DP-1 Basic Form
covers only fire, lighting, internal explosion
VMM: Vandalism and Mischief- intentional injury or
destruction of covered property (doesn't include theft,
DP-1 Basic form endorsements
burglary, larceny, pilferage)
Extended coverage: Windstorm. civil commotion,
smoke, hail, aircraft, vehicles, volcanic eruption,
external explosion, riot
Same perils as DP-1 Basic form + coverage for the
DP-2 Broad form
extended coverage endorsement perils
