Free Dwelling Policy Practice Questions
Texas Personal Lines Property & Casualty exam (series InsTX-PersPC55) — 80 practice questions.
Subtopics: Dwelling fire policies, Dwelling fire early cancellation, Purpose, No liability, DP-1 basic form, DP-3 special form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage A eligibility, Loss settlement, Extended coverage perils, Vandalism endorsement, Other coverages debris removal, Improvements by tenant, Personal liability supplement, Excluded perils, DP-2 broad form, Coverage C optional, Automatic increase, Theft endorsement, Reasonable repairs, Trees shrubs and plants, Fire department service charge, Property removed, Worldwide personal property, Definition of insured, Coinsurance clause, DP-3 loss settlement, Collapse coverage, Seasonal dwelling, Other structures rented, Lightning peril, Glass coverage, Fair rental value vs ALE, Ordinance or law, DP-1 perils, DP-1 vehicles peril, Windstorm peril, DP-1 vandalism, Other structures, Rental value and ALE, Civil authority, Tenant improvements, Coverage C location, Property not covered, Coverage A scope, Coverage B exclusions, DP-3 open perils exclusions, Vacancy, DP-3 Coverage C perils, DP-2 perils, DP-1 trees exclusion, Fire department charges, Collapse, Replacement cost settlement, Cancellation, Nonrenewal, Mortgagee notice, Other insurance, Earth movement, Water exclusion, Freezing, Eligibility, Guest property, Newly acquired residence, Intentional loss, Glass breakage, DP forms, Dwelling liability
Read the Dwelling Policy study guide
Sample questions & answers
1. Texas restrictions on cancellation of personal policies apply to a standard fire policy insuring:
A one-family dwelling or duplex
Subchapter C applies to personal auto, homeowners, farm and ranch owners, and standard fire policies on one-family dwellings, duplexes, or their contents.
2. A Texas standard fire policy on a one-family dwelling may be cancelled for any lawful reason if it has been in effect for less than:
90 days
Policies other than personal auto and homeowners may be cancelled if in effect less than 90 days; after that, only for statutory reasons.
3. The Dwelling Policy is primarily designed to insure:
Dwellings and contents, including rental homes
The Dwelling Policy covers dwellings (including rentals) and personal property but provides no built-in liability coverage.
4. Unlike a homeowners policy, the basic dwelling policy does NOT automatically include:
Personal liability and medical payments coverage
The dwelling forms do not include liability/medical payments by default; these may be added by endorsement.
All Personal Lines Property & Casualty topics
Practice: Dwelling Policy
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.
