Personal Lines exam topics

Home, auto, liability, policy language, and Texas rules tested on this exam.

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NFIP Flood Deductibles for Building and ContentsNFIP building and contents coverage have separate deductibles, and each deductible applies to a covered loss under its respective coverage part. The d…
Texas Personal Lines Agent vs. Agency LicenseA Texas Personal Lines agent license authorizes an individual producer; an agency license authorizes the business entity that acts as an insurance age…
Flood Zone vs. Flood Insurance RequirementA FEMA flood zone describes mapped flood hazard; it does not by itself mean every property owner must buy flood insurance. Federal mandatory-purchase …
Texas Personal Lines License vs. General Lines P&C LicenseA Texas Personal Lines P&C license is for property and casualty insurance sold to individuals and families primarily for personal or household use. A …
Can a Texas Personal Lines Agent Sell Commercial Insurance?Usually, a Texas Personal Lines license is not enough for ordinary commercial insurance. It authorizes property and casualty insurance sold to individ…
Private Flood Insurance vs. the NFIPNFIP coverage uses a federal Standard Flood Insurance Policy with standardized terms and limits, while a private flood policy follows its insurer’s ow…
Flood Insurance: Basement Property LimitsThe NFIP defines a basement as an area, including a sunken room, whose floor is below ground level on all sides. Flood coverage there is restricted: s…
Texas Personal Lines Agent AppointmentsA Texas Personal Lines license identifies an individual’s authority and scope; an insurer appointment authorizes that licensed agent to act for a part…
Flood Insurance Definition of a FloodUnder the NFIP Standard Flood Insurance Policy, a flood generally requires a temporary partial or complete inundation of at least two acres of normall…
Texas Personal Lines License Renewal and CEA Texas Personal Lines P&C agent generally renews every two years and must complete 24 hours of continuing education per renewal period, including 3 e…