Personal Lines exam topics

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• HO-8 Homeowners Policy: Older-Home CoverageHO-8 is commonly called the Modified Coverage Form and may be considered for an owner-occupied home that is difficult to insure on ordinary replacemen…
• Rideshare Insurance in TexasTexas law requires transportation network company (TNC) drivers or companies to maintain primary auto insurance while a driver is logged on and availa…
• Coinsurance and Insurance to ValueInsurance to value means selecting a property limit that reasonably reflects the value basis required by the policy, often reconstruction cost. If a p…
• Texas Homeowners Cancellation and NonrenewalCancellation ends a Texas homeowners policy before its expiration; nonrenewal ends it at the scheduled expiration date. Texas generally allows cancell…
• Proximate Cause in Property ClaimsProximate cause connects an event to a loss in a natural sequence and asks whether the event was a substantial cause and whether the harm was foreseea…
• Texas FAIR Plan AssociationThe Texas FAIR Plan Association (TFPA) is a property-insurance safety net for eligible Texas residents who cannot obtain comparable residential covera…
• Texas Windstorm Insurance AssociationThe Texas Windstorm Insurance Association (TWIA) is a residual-market source of wind and hail coverage for eligible property in designated Texas coast…
• Vacancy vs. Unoccupancy in Property InsuranceVacancy generally describes a home that is substantially empty and not lived in; unoccupancy often means residents are temporarily away while the home…
• Negligence: Duty, Breach, Causation, and DamagesA basic Texas negligence claim requires a legal duty, breach of that duty, and damages proximately caused by the breach. Proximate cause includes caus…
• Texas Homeowners Claim Payment DeadlinesFor most Texas homeowners claims, an insurer must acknowledge the claim, begin investigating, and request reasonably needed information by the 15th da…