Personal Lines exam topics

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• Homeowners Coverage A: The DwellingCoverage A is the dwelling coverage in a homeowners policy. It generally applies to the residence building and property treated as part of it under th…
• How to Read 30/60/25 Auto Liability LimitsIn Texas's 30/60/25 liability notation, $30,000 is the bodily injury maximum for one person in a collision, $60,000 is the bodily injury maximum for a…
• Auto Medical Payments CoverageAuto medical payments (MedPay) is optional first-party coverage that can pay eligible medical and funeral expenses for people defined by the policy af…
• Homeowners Coverage B: Other StructuresCoverage B is the other-structures coverage on many homeowners policies. It generally applies to detached structures on the residence premises that ar…
• Homeowners Coverage C: Personal PropertyCoverage C is personal-property coverage for an insured’s belongings, often at and away from the residence premises, subject to the form. The cause-of…
• Specified-Perils Auto CoverageSpecified-perils auto coverage is a named-cause physical-damage option: it responds only when the covered auto is damaged by a cause listed in the pol…
• Collision vs. Other-Than-Collision CoverageCollision coverage generally pays for direct accidental damage to a covered auto from impact with another vehicle or object or from the auto overturni…
• UM vs. UIM Auto CoverageUninsured motorist (UM) coverage addresses covered damages when an at-fault motorist has no applicable liability insurance or qualifies as uninsured u…
• Who Is an Insured Under a Personal Auto Policy?A personal auto policy does not treat everyone connected to a car as an insured for every coverage. The named insured, resident family members, permis…
• Homeowners Coverage D: Loss of UseCoverage D, often called loss-of-use coverage, can reimburse certain extra household costs or lost rental value when a covered loss makes insured prem…