Free Other Personal Lines Practice Questions
New Hampshire Personal Lines exam (series 12-86) — 58 practice questions.
Subtopics: Personal umbrella, Flood insurance, Earthquake coverage, Watercraft, Personal articles floater, Mobile home, Identity theft, Blanket coverage, Home mitigation program, Umbrella underlying limits, Flood insurance NFIP, Flood waiting period, Recreational vehicle, Personal umbrella defined, Umbrella broader coverage, NFIP maximum building limit, Definition of flood, NFIP community participation, Yacht policy, Comprehensive Personal Liability, NFIP limits, NFIP waiting period, NFIP flood definition, NFIP covered causes, NFIP basement coverage, NFIP loss settlement, NFIP increased cost of compliance, NFIP proof of loss, NFIP exclusions, NFIP distribution, NFIP deductibles, NFIP eligibility, Private flood insurance, Inland marine, FAIR plans, Residual markets, Recreational vehicles, NFIP, Scheduled property deductible, Newly acquired scheduled items, Newly acquired fine arts, Scheduled property territory, Scheduled property exclusions, Fine arts breakage, Boatowners coverage, Boatowners package, Life salvage, Mobile home eligibility, Mobile home transport
Read the Other Personal Lines study guide
Sample questions & answers
1. A personal umbrella policy is designed to:
Add liability limits over auto and home
A personal umbrella provides excess liability coverage above the limits of underlying auto and homeowners policies.
2. Flood damage to a home is generally:
Excluded; insurable via the NFIP
Homeowners forms exclude flood; New Hampshire requires insurers to tell policyholders at issue and renewal that flood is not covered and how to reach the National Flood Insurance Program.
3. Coverage for earthquake damage to a home is generally:
By endorsement or a separate policy
Earthquake is excluded by standard homeowners forms but can be added by endorsement or a separate policy.
4. A boatowners or watercraft policy is typically used because the homeowners policy:
Gives only limited watercraft coverage
Homeowners policies provide only limited watercraft coverage so a separate boat policy is used for larger craft and broader liability.
Practice: Other Personal Lines
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
