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  2. Florida
  3. Personal Lines (20-44)
  4. Property Casualty Basics

Free Property Casualty Basics Practice Questions

Florida Personal Lines (20-44) exam (series 20-44) — 54 practice questions.

Subtopics: Hurricane deductible, Hurricane deductible application, Catastrophic ground cover collapse, Claims acknowledgment, Pay or deny deadline, Homeowner claims bill of rights, Nonrenewal notice, Citizens Property Insurance, Rate standard, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Replacement cost, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named perils, Open perils, Burden of proof, Subrogation, Salvage, Appraisal provision, Pro rata other insurance, Vacancy, Real vs personal property, Negligence, Elements of negligence, Compensatory damages, Punitive damages, Bodily injury, Property damage, Occurrence, Absolute liability, Vicarious liability, Comparative negligence, Liability limits, Binder, Endorsement, Stated value vs agreed value, Abandonment, Mortgagee clause, Assignment, Proximate cause, Attractive nuisance, Hold harmless agreement, Certificate of insurance, Valued policy, Blanket vs specific, Liability vs property insurance, Duties after loss, Concurrent causation

Sample questions & answers

1. Before issuing a personal lines residential property policy, a Florida insurer must offer hurricane deductible options of:

500 dollars and 2, 5, and 10 percent of the dwelling limits

Florida requires insurers to offer hurricane deductibles of 500 dollars and 2, 5, and 10 percent of the dwelling limits, unless a percentage is less than 500 dollars.

2. A Florida personal lines hurricane deductible generally applies:

On a calendar-year basis to covered hurricane losses with the same insurer

Florida's hurricane deductible is applied on a calendar-year (annual) basis to hurricane losses covered under policies issued by the same insurer or insurer group.

3. Which coverage must a Florida homeowners policy include, as opposed to optional sinkhole loss coverage?

Catastrophic ground cover collapse

Florida homeowners policies must cover catastrophic ground cover collapse; broader sinkhole loss coverage is offered separately as an option.

4. A Florida residential property insurer must acknowledge a communication about a claim within:

7 days

Florida requires acknowledgment of a communication about a property claim within 7 days unless payment is made within that time.

All Personal Lines (20-44) topics

Practice: Property Casualty Basics

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.