ALABAMA INSURANCE PROPERTY AND CASUALTY EXAMINATION TEST 2026 QUESTIONS WITH VERIFIED CORRECT ANSWERS

ALABAMA INSURANCE PROPERTY AND
CASUALTY EXAMINATION TEST 2026
QUESTIONS WITH VERIFIED CORRECT
ANSWERS

⩥ What is Section I of the homeowners policy? Answer: Property


⩥ What is Section II of the homeowners policy? Answer: Casualty aka
Liability


⩥ What is Section I-Property Coverage A? Answer: Dwelling


⩥ What is Section I-Property Coverage B? Answer: Other Structures


⩥ What is Section I- Property Coverage C? Answer: Personal Property


⩥ What is Section I- Property Coverage D? Answer: Loss of Use


⩥ What is Section II- Casualty Coverage E? Answer: Personal Liability


⩥ What is Section II- Casualty Coverage F? Answer: Medical Payments
to Others

, ⩥ What is the Homeowners Tenants form? Answer: HO-4


⩥ Coverage A or B will not be on what homeowners policy form?
Answer: Tenant form HO-4


⩥ There is only enough coverage of A and B to offset betterment's and
improvements on what form? Answer: The Condominium Owners form
HO-6


⩥ Coverage A-Dwelling in the homeowners policies insures what?
Answer: the building in which you live and any permanently attached
property such as water heaters, furnaces, central units and carpeting.


⩥ Coverage B-Other Structures in the homeowners policies insures
what? Answer: protects structures on your property other than your
house, such as sheds, detached garages, and swimming pool


⩥ How is Coverage B calculated? Answer: 10% of Coverage A


⩥ Coverage C-Personal Property in the homeowners policies insures
what? Answer: Covers your stuff on and off the residence
premises...anywhere on earth.