Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
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1. Under Part A of a Personal Auto Policy, which of the B.) Damage to a neigh-
following losses would be covered? bor's parked car
A.) Damage to property being transported by the in-
sured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of
the insured
D.) Damage to the home the insured owns
2. Which of the following is true regarding the Fine Arts C.) It provides automat-
Floater? ic coverage on newly ac-
quired items for 90 days
A.) Coverage is limited to the United States, Canada,
and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired
items for 90 days
D.) It settles losses on an ACV basis
3. All of the following statements are correct about a B.) Coverage D of a Home-
Homeowners Policy, except: owners Policy includes
loss of income from an in-
A.) Home schooling is covered under a Homeowners cidental business
Policy
B.) Coverage D of a Homeowners Policy includes loss
of income from an incidental business
C.) A Homeowners Policy will not cover theft of a boat
away from premises
D.) Coverage D of a Homeowners Policy covers addi-
tional living expenses
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
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4. Under disability income insurance, a monthly benefit B.) 66 2/3%
will be ________ of the insured's monthly income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4%
5. All of the following items of property are considered B.) Personal property of a
property not covered under Coverage C of a Home- guest
owners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant
6. Which of the following is NOT a purpose of licensing? D.) To authorize the agent
to insure risks
A.) For the applicant to be familiar with the Florida
insurance laws
B.) To authorize and enable the licensee to actively and
in good faith engage in the insurance business as an
agent
C.) To facilitate the public supervision of such activities
in the public interest
D.) To authorize the agent to insure risks
7. Liability coverage provided by a Personal Auto policy B.) Damage to a private
would cover which of the following damages? garage rented to the in-
sured, caused by the in-
A.) Damage to property being transported by the in-
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
Study online at https://quizlet.com/_jnzgjp
sured in a covered auto sured's child driving a cov-
B.) Damage to a private garage rented to the insured, ered auto
caused by the insured's child driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is
in the care of the insured
D.) Damage to a storefront caused by a valet driver
operating a covered auto
8. Which policy provision omits certain risks from cover- C.) Exclusions
age?
A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations
9. When an underlying policy does not cover a particular B.) Self-insured retention
loss, the insured's Umbrella Liability policy will drop
down and cover the entire loss, after payment by the
insured of a:
A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission
10. Liability coverage may be provided by a Homeowners A.) 20-foot sailing boat
policy for the insured's use of which of the following
watercraft?
A.) 20-foot sailing boat
B.) Private yacht owned by the insured
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
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C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser
11. An insured owns a home with a replacement cost of C.) The policy limit
$300,000 and a market value of $250,000. What is the
most a valued policy will pay in the event of a total loss
without a deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000
12. Policyholder J hit a deer with their Honda. J has colli- C.) $400
sion coverage with a $250 deductible and other than
collision coverage with a $50 deductible. The damage
to J's car was $450. How much will the policy pay?
A.) $200
B.) Nothing
C.) $400
D.) $150
13. Under all the Dwelling Forms, the dwelling described A.) Coverage A
in the Declarations is covered under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
D.) Coverage C
14. D.) The policy limit
()/ A+ GRADE
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1. Under Part A of a Personal Auto Policy, which of the B.) Damage to a neigh-
following losses would be covered? bor's parked car
A.) Damage to property being transported by the in-
sured
B.) Damage to a neighbor's parked car
C.) Damage to a neighbor's lawn mower in the care of
the insured
D.) Damage to the home the insured owns
2. Which of the following is true regarding the Fine Arts C.) It provides automat-
Floater? ic coverage on newly ac-
quired items for 90 days
A.) Coverage is limited to the United States, Canada,
and Mexico
B.) Coverage is primarily for stamps and coins
C.) It provides automatic coverage on newly acquired
items for 90 days
D.) It settles losses on an ACV basis
3. All of the following statements are correct about a B.) Coverage D of a Home-
Homeowners Policy, except: owners Policy includes
loss of income from an in-
A.) Home schooling is covered under a Homeowners cidental business
Policy
B.) Coverage D of a Homeowners Policy includes loss
of income from an incidental business
C.) A Homeowners Policy will not cover theft of a boat
away from premises
D.) Coverage D of a Homeowners Policy covers addi-
tional living expenses
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
Study online at https://quizlet.com/_jnzgjp
4. Under disability income insurance, a monthly benefit B.) 66 2/3%
will be ________ of the insured's monthly income.
A.) 80 1/2%
B.) 66 2/3%
C.) 70 2/3%
D.) 50 3/4%
5. All of the following items of property are considered B.) Personal property of a
property not covered under Coverage C of a Home- guest
owners policy, except:
A.) Credit cards
B.) Personal property of a guest
C.) Pets
D.) Personal property of a tenant
6. Which of the following is NOT a purpose of licensing? D.) To authorize the agent
to insure risks
A.) For the applicant to be familiar with the Florida
insurance laws
B.) To authorize and enable the licensee to actively and
in good faith engage in the insurance business as an
agent
C.) To facilitate the public supervision of such activities
in the public interest
D.) To authorize the agent to insure risks
7. Liability coverage provided by a Personal Auto policy B.) Damage to a private
would cover which of the following damages? garage rented to the in-
sured, caused by the in-
A.) Damage to property being transported by the in-
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
Study online at https://quizlet.com/_jnzgjp
sured in a covered auto sured's child driving a cov-
B.) Damage to a private garage rented to the insured, ered auto
caused by the insured's child driving a covered auto
C.) Damage to a neighbor's riding lawn mower that is
in the care of the insured
D.) Damage to a storefront caused by a valet driver
operating a covered auto
8. Which policy provision omits certain risks from cover- C.) Exclusions
age?
A.) Conditions
B.) Additional Coverages
C.) Exclusions
D.) Declarations
9. When an underlying policy does not cover a particular B.) Self-insured retention
loss, the insured's Umbrella Liability policy will drop
down and cover the entire loss, after payment by the
insured of a:
A.) Deductible
B.) Self-insured retention
C.) Copayment
D.) Commission
10. Liability coverage may be provided by a Homeowners A.) 20-foot sailing boat
policy for the insured's use of which of the following
watercraft?
A.) 20-foot sailing boat
B.) Private yacht owned by the insured
, Florida Personal Lines Exam Latest 2026 Questions and Verified Answers
()/ A+ GRADE
Study online at https://quizlet.com/_jnzgjp
C.) Rented pontoon boat to entertain business clients
D.) Racing cruiser
11. An insured owns a home with a replacement cost of C.) The policy limit
$300,000 and a market value of $250,000. What is the
most a valued policy will pay in the event of a total loss
without a deductible?
A.) $240,000
B.) $250,000
C.) The policy limit
D.) $300,000
12. Policyholder J hit a deer with their Honda. J has colli- C.) $400
sion coverage with a $250 deductible and other than
collision coverage with a $50 deductible. The damage
to J's car was $450. How much will the policy pay?
A.) $200
B.) Nothing
C.) $400
D.) $150
13. Under all the Dwelling Forms, the dwelling described A.) Coverage A
in the Declarations is covered under:
A.) Coverage A
B.) Coverage B
C.) Coverage E
D.) Coverage C
14. D.) The policy limit
