Personal Lines exam topics

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

Showing 221 to 230 of 352 articles · Page 23 of 36

Home Insurance for a House Under ConstructionA standard homeowners policy may not fit a house that is incomplete, vacant, or undergoing major construction. The owner, builder, and lender should c…
Homeowners Liability for an Accident Away From HomeHomeowners personal liability can cover an insured’s legal responsibility for bodily injury or property damage caused by an occurrence away from the r…
Homeowners Other Structures Used for BusinessA detached garage, shed, or workshop may qualify as an other structure under Coverage B, but business use can trigger exclusions, sublimits, underwrit…
Named Storm Deductible vs. Wind and Hail DeductibleA wind and hail deductible applies to losses assigned to those perils; a named-storm deductible, when a policy has one, is triggered by the contract’s…
Personal Injury Endorsement vs. Bodily Injury LiabilityBodily injury liability generally concerns physical injury or sickness, while a personal injury endorsement may cover specified nonphysical offenses s…
Personal Property Replacement Cost EndorsementA personal-property replacement-cost endorsement can change settlement for covered belongings from actual cash value to replacement cost, subject to t…
Roof Actual Cash Value Endorsements in Texas Home InsuranceA roof actual cash value endorsement changes how an insurer values covered roof damage, usually deducting depreciation rather than paying full replace…
Service Line Coverage vs. Water Backup CoverageService line coverage generally addresses physical damage to an eligible buried utility line serving the residence, while water backup coverage addres…
TWIA Claim Deadline and Appraisal in TexasTWIA policyholders generally must report property damage within one year of the damage date. A dispute over the amount TWIA accepted for covered damag…
TWIA Flood Insurance Requirement for Coastal PropertiesTWIA requires flood insurance for a property only when all specified conditions are met: part of the property is in a qualifying V, VE, or V1-V30 NFIP…