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TEXAS PROPERTY AND CASUALTY INSURANCE EXAM LATEST 2026 ACTUAL
EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS
(100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Tom owns a small business and hires a messenger to take last
night's earings and deposit it in the bank. On the way to the bank,
the messenger is robbed and the deposit has been stolen. Which
of the following crime coverage forms would cover such an event?
- ANSWER-Robbery outside the premises.
Besides the insured's primary residence, each of the following
would be considered an insured location except - ANSWER-A
business office rented to the insured.
Which of the following physical damage to a car is considered a
collision? - ANSWER-A driver is distracted by a billboard
The responisbility for the insured to prevent further los sunder
reasonable conditions is listed under: - ANSWER-Duties of the
insured
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Under the liability portion of a personal aut opolicy, which of the
following would not be an insured person? - ANSWER-The
insured's neighbor, who has borrowed the car without asking the
insured.
The standard limit for Part 2, employer's liability is - ANSWER-
100k per employee.
Which of the following Homeowners forms is not named perils
coverage? - ANSWER-HO-5
If the Superintendent of Insuranec terminates an agent's license
for any reason. - ANSWER-An agent may appeal the ruling to the
state supreme court
Through the State of Ohio, businesses that cannot obtain
insurance in the standard market place can obtain coverage
through which of the following: - ANSWER-The Commercial Joint
Underwriting Association
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Which of the following may be added to a property insurance
contract tot amend coverage mid-term? - ANSWER-Endorsement
What is the standard deductible for a Business Owner Policy? -
ANSWER-500
Individuals with higher loss exposure have the tendency to
purchase insurance more oftern than those with average loss
exposure. - ANSWER-Adverse selection
Quentin has insured his 26 ft 25hp - ANSWER-His homeonwers
policy will cover his liability and a limited amount of collision
damage.
A negligent act that, defined under civil law, is an action
recoverable for injuries inflicted upon an innocent party is known
as a: - ANSWER-A tort
An individual licensed as an agent in his state represents -
ANSWER-A company
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Company XYZ offers a discount to its insureds when they install a
centrally monitored security system - ANSWER-Loss Control
If an insured has a policy with split limit liability of 25/40/15, what
is the maximum amount the insurer will pay for property damage?
- ANSWER-15k
Under a personal auto policy, what type of physical damage loss
is NOT covered? - ANSWER-Stereo equiptment.
A certificate of insurance: - ANSWER-Is proof that the policy was
issued.
If an insured's dog bites a guest that results in a settlement
amount of $150,000 plus attorney fees of $70,000. How much is
the insured personally responsible to pay if their homeowners
policy Coverage E amount was $100,000? - ANSWER-50k
TEXAS PROPERTY AND CASUALTY INSURANCE EXAM LATEST 2026 ACTUAL
EXAM WITH COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS
(100% VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR VERIFIED||
||BRANDNEW!!!||
Tom owns a small business and hires a messenger to take last
night's earings and deposit it in the bank. On the way to the bank,
the messenger is robbed and the deposit has been stolen. Which
of the following crime coverage forms would cover such an event?
- ANSWER-Robbery outside the premises.
Besides the insured's primary residence, each of the following
would be considered an insured location except - ANSWER-A
business office rented to the insured.
Which of the following physical damage to a car is considered a
collision? - ANSWER-A driver is distracted by a billboard
The responisbility for the insured to prevent further los sunder
reasonable conditions is listed under: - ANSWER-Duties of the
insured
,2|Page
Under the liability portion of a personal aut opolicy, which of the
following would not be an insured person? - ANSWER-The
insured's neighbor, who has borrowed the car without asking the
insured.
The standard limit for Part 2, employer's liability is - ANSWER-
100k per employee.
Which of the following Homeowners forms is not named perils
coverage? - ANSWER-HO-5
If the Superintendent of Insuranec terminates an agent's license
for any reason. - ANSWER-An agent may appeal the ruling to the
state supreme court
Through the State of Ohio, businesses that cannot obtain
insurance in the standard market place can obtain coverage
through which of the following: - ANSWER-The Commercial Joint
Underwriting Association
,3|Page
Which of the following may be added to a property insurance
contract tot amend coverage mid-term? - ANSWER-Endorsement
What is the standard deductible for a Business Owner Policy? -
ANSWER-500
Individuals with higher loss exposure have the tendency to
purchase insurance more oftern than those with average loss
exposure. - ANSWER-Adverse selection
Quentin has insured his 26 ft 25hp - ANSWER-His homeonwers
policy will cover his liability and a limited amount of collision
damage.
A negligent act that, defined under civil law, is an action
recoverable for injuries inflicted upon an innocent party is known
as a: - ANSWER-A tort
An individual licensed as an agent in his state represents -
ANSWER-A company
, 4|Page
Company XYZ offers a discount to its insureds when they install a
centrally monitored security system - ANSWER-Loss Control
If an insured has a policy with split limit liability of 25/40/15, what
is the maximum amount the insurer will pay for property damage?
- ANSWER-15k
Under a personal auto policy, what type of physical damage loss
is NOT covered? - ANSWER-Stereo equiptment.
A certificate of insurance: - ANSWER-Is proof that the policy was
issued.
If an insured's dog bites a guest that results in a settlement
amount of $150,000 plus attorney fees of $70,000. How much is
the insured personally responsible to pay if their homeowners
policy Coverage E amount was $100,000? - ANSWER-50k
