Personal Lines exam topics

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

Showing 171 to 180 of 352 articles · Page 18 of 36

Does Homeowners Insurance Cover a Short-Term Rental?Do not assume a standard homeowners policy covers an Airbnb-style rental. Texas TDI warns that homeowners coverage may exclude or limit rental-propert…
Does Homeowners Insurance Cover a Dog Bite?A Texas homeowners policy may cover a dog-bite claim through personal liability if the insured is legally responsible and no exclusion applies. Medica…
Homeowners Insurance vs. Mortgage InsuranceHomeowners insurance protects against covered physical damage to a home and may include liability coverage. Mortgage insurance protects the lender aga…
Is Homeowners Insurance Required in Texas?Texas law does not generally require a homeowner to buy homeowners insurance. A mortgage lender usually requires property insurance as a loan conditio…
Percentage Deductibles on a Homeowners PolicyA percentage deductible is calculated from a value specified by the policy, often an insured dwelling amount, not from the repair bill. For example, 2…
Wind and Hail Deductibles in Texas Home InsuranceA wind or hail deductible is the amount the homeowner pays toward a covered storm claim before the insurer pays. Texas policies may use a separate fla…
Extended Replacement Cost for a HouseExtended replacement cost can pay eligible covered rebuilding costs above the dwelling limit, up to a stated percentage or dollar cap. It is not unlim…
Functional Replacement Cost on Older HomesFunctional replacement cost generally pays to repair or replace damaged property with materials that perform the same function, even if they are not i…
Homeowners Coverage for Firearms and CollectiblesHomeowners insurance may cover firearms and collectibles as personal property, but category sublimits can cap payment, especially for theft, and exclu…
How to Make a Home Inventory for InsuranceMake a home inventory by recording each room’s belongings, photographing or videoing items, and saving receipts, serial numbers, purchase dates, and a…