Personal Lines exam topics

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

Showing 211 to 220 of 352 articles · Page 22 of 36

Texas Rideshare Insurance RequirementsTexas requires primary auto insurance while a transportation network company driver is logged in and during a prearranged ride. Before a request is ac…
HO-3 Dwelling vs. Personal Property PerilsA typical ISO HO-3 uses an open-peril structure for the dwelling and other structures: direct physical loss is covered unless excluded or limited. Per…
Actual Loss Sustained vs. a Stated Loss-of-Use LimitActual loss sustained generally measures eligible loss-of-use expenses the insured actually incurs, subject to the policy’s covered trigger, time peri…
Civil Authority Coverage After a Neighborhood DisasterA neighborhood disaster or evacuation order does not automatically trigger homeowners loss-of-use coverage. Some policies cover additional living expe…
Condo Association Flood Policy vs. Unit Owner Flood CoverageAn NFIP Residential Condominium Building Association Policy (RCBAP) insures an eligible residential condominium building and association-owned propert…
Foundation and Slab Water-Damage Endorsements in TexasA foundation or slab water-damage endorsement can add limited coverage for specified structural damage or access work caused by water escaping a cover…
Home Equipment Breakdown Coverage vs. Wear and TearAn equipment-breakdown endorsement may cover sudden, accidental mechanical or electrical breakdown of listed household equipment, subject to definitio…
Home Insurance Claim vs. Liability Claim When a Neighbor's Tree FallsIf a neighbor’s tree damages your home, your own homeowners policy may cover the loss when a covered peril caused it. The neighbor’s liability coverag…
Home Insurance Coverage for Property in StorageA homeowners or renters policy may cover some personal property kept in a storage unit, but off-premises limits, covered-peril rules, exclusions, and …
Home Insurance for a Detached Garage vs. an Attached GarageAn attached garage is generally insured as part of the dwelling, while a detached garage is commonly treated as an other structure under Coverage B. T…