(A) Intentional injuries. (B) Business activities. (C) Transmission of a communicable disease. (D) The gradual yet accidental seepage of pollutants from the insured’s septic system into the neighborhood water supply. (E) Injuries caused by operation of a motor vehicle registered ...

Spencer has a Homeowners HO-3 policy that provides $320,000 of insurance on his dwelling, which has a current replacement value of $500,000. Ignoring any deductible, how much will Spencer collect if his kitchen with a replacement value of $30,000 but ...

One of the Conditions in Homeowners HO-3 (the Special Form) lists the insured’s duties after a property loss. Which of the following statements concerning this condition is true? (A) The insured’s claim representative might not require that all of these duties ...

(A) Tenants have no need for Homeowners insurance. (B) Tenants must insure both the apartment building and their personal property. (C) Tenants are eligible for Homeowners insurance using HO-3 (the Special Form). (D) Tenants are eligible for Homeowners insurance using ...

(A) Snowmobile endorsement. (B) Limited Mexico coverage endorsement. (C) Auto loan/lease (Guaranteed Auto Protection – GAP) coverage. (D) Towing and labor cost coverage. (E) Garage Business endorsement.

(A) Submit proof of loss. (B) Submit to a physical examination if requested. (C) Agree to an examination under oath. (D) Admit negligence to the police if at fault. (E) Provide prompt notice to the insurer.

(A) A vehicle for which no bodily injury liability insurance or bond applies at the time of the accident. (B) A hit-and-run vehicle whose operator cannot be identified. (C) An uninsured vehicle furnished for regular use by a family member.

Liability coverage – Part A is the most common part of the Personal Auto Policy (PAP). Which of the following is NOT covered under the liability section of the PAP? (A) A newly acquired auto that replaces a vehicle previously described ...

(A) Policy period. (B) Insuring agreement. (C) Policy number. (D) Name of the insurer. (E) Limits of insurance for each coverage provided.

(A) Joint underwriting association. (B) Automobile insurance plan. (C) Unsatisfied judgment fund. (D) Reinsurance facility. (E) Specialty automobile plan.