Free Other Personal Lines Practice Questions
Texas Personal Lines Property & Casualty exam (series InsTX-PersPC55) — 60 practice questions.
Subtopics: TWIA eligibility, TWIA flood requirement, TWIA claim deadline, TWIA coverage decision, TWIA purpose, FAIR Plan declinations, FAIR Plan covered policies, Guaranty claim limit, Guaranty unearned premium, Guaranty and surplus lines, Surplus lines agent, Personal umbrella, Umbrella underlying limits, Flood insurance NFIP, Flood waiting period, Personal articles floater, Watercraft, Mobile home, Recreational vehicle, Personal umbrella defined, Umbrella broader coverage, NFIP maximum building limit, Definition of flood, NFIP community participation, Yacht policy, Earthquake coverage, 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 homeowner in a TWIA catastrophe area applying for initial TWIA coverage must show:
One declination of wind coverage from an insurer writing in the first tier coastal counties
TWIA requires evidence of one declination; renewals require one declination every three calendar years.
2. For a home built after September 1, 2009 in an NFIP V zone where flood insurance is available, TWIA requires the applicant to:
Show that the property is covered by flood insurance
TWIA may not issue or renew such policies without evidence of flood coverage, and agents must offer flood insurance.
3. A TWIA policyholder must file a windstorm claim no later than:
One year after the date of damage
Claims under a TWIA policy must be filed by the first anniversary of the damage.
4. After receiving a claim (or requested information), TWIA generally must notify the claimant in writing whether coverage is accepted or denied within:
60 days
TWIA must give written notice accepting or denying coverage in full or part within 60 days unless the Commissioner extends the period.
All Personal Lines Property & Casualty topics
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.
