Personal Lines exam topics
Home, auto, liability, policy language, and Texas rules tested on this exam.
Showing 181 to 190 of 352 articles · Page 19 of 36
- Does Renters Insurance Cover a Roommate's Belongings?Usually, a renters policy covers the named insured’s belongings, not an unrelated roommate’s property simply because they share a lease. Texas TDI rec…
- Renters Insurance vs. Landlord InsuranceRenters insurance protects a tenant’s belongings, personal liability, and often extra living costs after a covered loss. Landlord insurance protects t…
- Condo Walls-In Coverage and Betterments“Walls-in” is shorthand for unit-owner coverage inside a condo, often including improvements or fixtures the association policy does not insure. It is…
- Condo Deductible Assessments and HO-6 CoverageA condo association may allocate a master-policy deductible under its declaration and applicable Texas law, but an HO-6 does not automatically pay eve…
- Dwelling Policy for a Rental PropertyA dwelling policy can insure a non-owner-occupied rental home when the insurer accepts its use and occupancy. It may cover the building, other structu…
- Vacancy Rules for an Unoccupied Rental HomeAn empty rental can trigger policy conditions, exclusions, or underwriting action, but there is no single vacancy rule for every Texas policy. TDI say…
- Wind-Driven Rain vs. Flood DamageWind-driven rain may be covered when wind first damages the roof or wall and rain enters through that opening, subject to the homeowners form and endo…
- Storm Surge vs. Wind Damage in a HurricaneWind damage comes from moving air and wind-borne objects; storm surge is ocean water pushed onto normally dry land and is generally treated as flood. …
- Named Insured vs. Resident Relative on a Homeowners PolicyThe named insured is the person or entity identified on the policy declarations; a resident relative may qualify as an insured under the policy’s defi…
- Duty to Mitigate Damage After a Property LossAfter a property loss, a policyholder generally must take reasonable steps to protect covered property from additional damage, such as stopping a leak…