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…