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…