Personal Lines exam topics

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

Showing 161 to 170 of 352 articles · Page 17 of 36

Replacement Cost in Property InsuranceReplacement cost in property insurance is the cost to repair or replace covered property with comparable property at current prices, generally without…
Market Value vs. Insured ValueMarket value is what a buyer may pay for a home and land in current local conditions. Insured value usually refers to the amount used to insure the st…
Stated Value in Property InsuranceStated value is an amount reported for insured property, but the phrase alone does not guarantee payment of that amount after a loss. A contract may t…
Earth Movement vs. Earthquake CoverageEarthquake coverage is designed for shaking-related damage, while “earth movement” exclusions can reach other ground changes, such as landslide, subsi…
Mobile Home Policy vs. Standard Homeowners PolicyA mobile or manufactured home can sometimes be insured under a homeowners policy, but many carriers use a specialized manufactured-home or “mobilowner…
Boatowners Insurance vs. Homeowners Watercraft LimitsA homeowners policy may provide limited coverage for certain small boats or boating liability, but size, motor, use, location, and policy wording can …
Personal Windstorm Insurance vs. Homeowners Wind CoverageMany Texas homeowners policies include wind and hail, but a coastal policy may exclude those perils and require a separate contract. TWIA offers wind …
Does Homeowners Insurance Cover a Burst Pipe in Texas?Many Texas homeowners policies cover sudden and accidental water damage from a burst pipe, but exclusions and conditions can change the result. The po…
Does Homeowners Insurance Cover a Leaking Roof?Homeowners insurance may cover a roof leak when a covered event, such as wind or hail, suddenly damages the roof. It generally does not pay to replace…
Does Homeowners Insurance Cover Mold in Texas?Texas homeowners insurance may cover some mold when it results from a covered, sudden water loss, but mold remediation is often limited or excluded. G…