Personal Lines exam topics

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

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Texas Insurance Penalties and Cease-and-Desist OrdersTexas TDI can use sanctions, administrative penalties, restitution, and cease-and-desist orders when a statute authorizes them. Chapter 82 includes ge…
Certificate of Authority vs. Agent License in TexasA Texas certificate of authority authorizes an insurer as a company to transact specified kinds of insurance. An agent license authorizes a person or …
What Counts as Transacting Insurance in Texas?Texas law treats a broad range of acts as the business of insurance, including making or proposing contracts, taking applications, collecting premiums…
Texas Lloyd's Insurance PlansA Texas Lloyd’s plan is an insurer organized under Insurance Code Chapter 941: individual or entity underwriters subscribe to risks, while an attorney…
Limited Lines vs. Personal Lines Licenses in TexasTexas limited-lines and personal-lines licenses are separate producer authorities. Limited lines applies to statutory product categories such as certa…
Managing General Agent vs. Personal Lines AgentA Texas managing general agent (MGA) performs insurer-facing management or delegated functions and may need a separate MGA license under Chapter 4053.…
Surplus Lines Agent vs. Personal Lines AgentA Texas Personal Lines agent places eligible household property and casualty policies within that license’s scope. A Texas surplus-lines agent places …
Insurance Adjuster vs. Personal Lines AgentA Texas Personal Lines agent solicits, negotiates, places, or services eligible household insurance. An insurance adjuster investigates or adjusts cla…
Why the Texas Emergency License Does Not Apply to Personal Lines P&CTDI’s current Personal Lines P&C licensing page says a 90-day emergency license is not offered for that license category. Texas Insurance Code §4051.0…
Homeowners Property Away From HomeHomeowners personal-property coverage can protect belongings away from the residence premises, but location, peril, occupancy, and special-limit claus…