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Mock paper #1

Texas General Lines - Property and Casualty

A full paper drawn to the blueprint. Answers and worked explanations are at the back of this file.

Questions
145
Time
150minutes
Scaled pass
70not a raw %
Paper
#1of 5

Single-user licence. You may print this file and write on it. You may not redistribute, resell or post it. © Sitonce 2026.

Before you start

Sit this the way you will sit the real one. A mock done in pieces over three evenings measures your notes, not your recall.

Questions
145
Minutes
150
Per question
62s
Started at
 
  1. Set a timer for 150 minutes and do not stop it. Running over is the commonest way a prepared candidate fails, and the only place you can find that out safely is here.
  2. Mark one answer for each question on the answer sheet.
  3. Answer every question. 130 questions count toward your practice score; 15 additional questions simulate unscored pretest pacing. They are identified only in the answer key. A blank is a guaranteed zero and a guess is not.
  4. Flag anything you are unsure of as you go. When you mark the paper, a question you flagged and got right is worth as much of your attention as one you got wrong - you do not yet know it, you guessed it.
  5. When the timer runs out, turn to the Answers section at the back of this file. Mark the paper against the quick-reference key first, fill in the score table, and only then read the worked explanations.

What this paper covers

AreaQuestionsShare
G-IV. Casualty policies and bonds2618%
G-I. Property policies2417%
TX-I. Texas regulation and producer responsibilities2114%
G-II. Property insurance concepts1611%
G-V. Casualty insurance concepts1611%
G-III. Property provisions and contract law1410%
G-VI. Casualty policy provisions1410%
TX-II. Texas property and casualty requirements1410%
Total145100%

Paper #1

145 questions. 150 minutes.

1

A covered fire damages a detached private garage on the insured residence premises. The HO-2 treats it as an eligible separate structure, and no business-use or other exclusion applies. Which property coverage should be examined for the garage itself?

  1. ACoverage A dwelling, because it shares the home’s address.
  2. BCoverage C personal property, because no one lives in the garage.
  3. CCoverage B other structures, because the garage is a separate eligible structure.
  4. DCoverage D loss of use, because the garage cannot currently be used.
2

A supplied HO-8 alternative settlement clause pays the least of the building limit, building market value excluding land, and depreciated repair value. The limit is $100,000; the combined property market value is $220,000, of which $140,000 is land; depreciated repair value is $95,000. No deductible applies. What is the result?

  1. A$80,000
  2. B$95,000
  3. C$100,000
  4. D$220,000
3

A covered fire damages the insured building’s permanently installed exterior lighting fixtures. The supplied CP0010 building definition includes fixtures, including outdoor fixtures. Which property category applies to these fixtures?

  1. ABusiness personal property, solely because they are outside.
  2. BProperty of others, solely because an electrician installed them.
  3. CStock, because replacement fixtures can be bought at a store.
  4. DBuilding property under the stated fixtures definition.
4

A supplied BOP has a $40,000 business personal property limit and a separate $1 million liability limit. A covered fire produces $60,000 of otherwise payable business personal property damage. No endorsement, deductible, coinsurance or other adjustment applies. How much is available for this property loss?

  1. A$20,000
  2. B$60,000
  3. C$40,000
  4. D$1,000,000
5

One landlord owns a six-apartment building in a participating NFIP community. It is not a condominium, and the application is for coverage on the entire building. Which standard flood form fits this building category?

  1. ADwelling Form because all six apartments are residential.
  2. BGeneral Property Form for this multifamily building.
  3. CResidential Condominium Building Association Policy because there are multiple households.
  4. DSix Dwelling Forms issued to the tenants for the landlord’s building.

Worked explanations

The paper carries one for every question, at the back. These are the 5 above.

Q1 C Ch. 6: Homeowners coverage

Answer: C - Coverage B other structures, because the garage is a separate eligible structure.

Because The question establishes an eligible detached structure; Coverage B is the relevant category before limits and settlement are applied. iso-ho3-2011-maine: HO0003 0511, SectionI A/B property categories and Coverage C special theft limit for jewelry. Identified base form, not all Texas contracts.; tdi-iso-ho-2002-order: Order02-0741: HO2 broad-form comparison. Historical base-form teaching, not current uniform Texas endorsement.

Why the other answers are incorrect

  • A.A shared address does not make a detached qualifying structure part of the dwelling category.
  • B.A garage is a structure rather than movable household contents.
  • D.Loss of use does not replace the separate property coverage for physical damage to the garage.
Q2 A Ch. 6: Homeowners coverage

Answer: A - $80,000

Because First remove $140,000 of land from $220,000, leaving $80,000 for the building. That is the least of the three relevant amounts. iso-ho8-1991-mn: HO0008 0491, SectionI Condition 3: alternative building settlement compares limit, market value exclusive of land, depreciated repair amount.

Why the other answers are incorrect

  • B.This would be the least only if the land-inclusive market figure were incorrectly used.
  • C.The limit is one ceiling in the comparison, not the amount automatically paid.
  • D.This includes land and ignores both other settlement constraints.
Q3 D Ch. 8: Commercial property and business interruption

Answer: D - Building property under the stated fixtures definition.

Because The definition expressly includes these fixtures; coverage and valuation then follow the applicable building terms. cook-cp0010-2012: CP0010 1012, A.1.a(2): fixtures including outdoor fixtures; A.2.a: money/currency not covered property.

Why the other answers are incorrect

  • A.Outdoor location does not remove fixtures from the expressly stated building definition.
  • B.Hiring an installer does not make the installed insured fixtures the installer’s property.
  • C.Property does not become merchandise held for sale merely because replacements are commercially available.
Q4 C Ch. 9: The businessowners policy

Answer: C - $40,000

Because The property limit caps the first-party payment at $40,000 under the supplied terms. iso-bop-2013-chubb: BP0003 0713: SectionI property limits separate from SectionII liability limits. Question supplies contract limits.

Why the other answers are incorrect

  • A.The $20,000 difference is the loss above the property limit, not the insured amount.
  • B.The larger liability limit cannot be borrowed to pay the excess property loss.
  • D.The liability limit addresses a different coverage and does not replace the property limit.
Q5 B Ch. 11: Flood insurance

Answer: B - General Property Form for this multifamily building.

Because The General Property Form addresses noncondominium residential buildings designed for five or more families, subject to its other requirements. ecfr-flood-general: 44 CFR Part61 Appendix A(2), I.A.1 - 2: multifamily buildings designed for five or more families that are not condominium buildings.

Why the other answers are incorrect

  • A.Residential use alone does not put a six-family building in the Dwelling Form category.
  • C.Multiple households do not create condominium ownership or a condominium association.
  • D.Tenant policies do not substitute for the landlord’s coverage on this entire building.

The rest of this mock paper comes with the course

Texas Property and Casualty: the whole syllabus taught, the questions that test it, 5 timed mocks, and all 6 PDFs to print.