PERSONAL LINES

Which of the following terms describes the person listed first on the declarations page

Which person is not a covered resident under the homeowners policy

If a fire causes damage to a building, the fire is

Thomas wants the max comprehensive protection for his home and personal property. Which policy

Rick is driving when a large rock land on his window causing it to crack. What part covers it

Which dwelling pays on an ACV basis

A statement guaranteed to be true

wearing a seat belt in a car is an example of which method of managing risk

Which of the following is used to resolve differences between the insured and the insurer

Failure to use care that is required to protect another person or property from harm

The personal auto policy considers a newly acquired car to be

The insurer is also known as

Under additional coverage for the homeowners policy which service does not require a deductible

Who elects the commissioner

How many days does an insured have to notify the insurer of a newly acquired auto

The insurance company can cancel for any reason within how many days

insurers may be classified by all of the following except

John's son throws a rock through someones window. John is legally responsible because of

Actual cash value is the replacement cost of the property minus

What do insurance companies use to help predict how many losses will occur in a group

All of the following statements about stock insurance company are true except

Under all homeowners forms, losses to personal property are paid on

How often does the commissioner exam each authorized insurer

An aggregate limit is the most a company will pay for

Part D of a PAP provides coverage fro up to $20 a day, $600 max for

Which of the following represents pure risk

All are excluded from from coverage C of the homeowners policy except

Term that best describes the absence of people and property from the premises

Which is not an element of an insurable interest

Mari has a DP1 policy and her house burns down. How is this loss covered

A flood is an example of

All of the following are requirements of an insurable pure risk EXCEPT

Bell was involved in an accident causing $55k worth of damages. Her policy has limits of 25/50

Who is the insured

In an insurance contract, the consideration that the insured gives is called

Failure to disclose a know fact is

Broad peril coverage include all basic perils and all of the following except

Which of the following is not part of the structure of a property and casualty insurance policy

Which would not be covered under coverage A or B of the dwelling policy

An insurance company incorporated in Ohio and conducts business in Ohio is known as a what

Insurers must renew their agents certificate of authority

A financial loss resulting directly from loss to property, such as a house fire

Damage to covered property caused by glass breakage is

Which of the following individuals represent only one insurance company

All of the following could be covered in a dwelling policy except

For all forms except HO4 and HO6, the primary amount of insurance is

which peril policy insurers a property against all perils specifically listed in the policy

Rose house got broken in. The burglary kicked in the door, stole her safe. What will be covered

States require companies to have a license to sell insurance in the state. What is this called

A liability insurance policy pays

Tom owns a pet lion, the lion claws his neighbors 3yr old son. What liability is this

What is it called when the insured may not transfer rights without prior written consent

Lilly has HO-5 policy. Her house and all of contents burn to ashes. How will she be indemnified

Which section of the homeowners policy covers damages to other peoples property

Who represents the insurer

An agreement between two parties is also called