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Free Property Casualty Basics Practice Questions

Georgia Personal Lines exam — 98 practice questions.

Subtopics: Named peril, Replacement cost, Duty to defend, Combined single limit, Other insurance, Salvage, Loss settlement, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named perils, Open perils, Burden of proof, Subrogation, 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, Conditions section, Definitions section, Pair or set clause, Inflation guard, Aggregate limit, Sublimit, Self-insured retention, Primary vs excess coverage, Excess other insurance clause, Escape other insurance clause, Flat cancellation, Pro rata cancellation, Short-rate cancellation, Nonrenewal, Liberalization clause, No benefit to bailee, Loss payable clause, Sue and labor, Occurrence trigger, Retroactive date, Extended reporting period, Contributory negligence, Last clear chance, Res ipsa loquitur, Assumption of risk, Negligence per se, General vs special damages, Nominal damages, Direct vs consequential loss, Time element coverage, Catastrophe, Floater, Wear and tear exclusion, Inherent vice exclusion, Mysterious disappearance, Pollution exclusion, Earth movement exclusion, Personal injury offense, Defense within limits, Statute of limitations, Pure premium, Exposure unit, Reasonable repairs, Actual cash value calculation

Read the Property Casualty Basics study guide

Sample questions & answers

1. A named-peril property form covers:

only the perils specifically listed in the policy

A named-peril form provides coverage only for the causes of loss that are specifically listed.

2. Replacement cost coverage on a dwelling pays:

the cost to repair or replace with like kind and quality, without deducting depreciation, subject to policy terms

Replacement cost pays to repair or replace the property with like kind and quality and does not deduct depreciation, subject to policy conditions.

3. Under a personal liability coverage, the insurer generally has a duty to:

defend the insured against covered liability claims

Liability coverage typically obligates the insurer to defend the insured against suits seeking covered damages.

4. A combined single limit (CSL) of liability:

is one total limit available for bodily injury and property damage combined

A CSL provides one combined limit available for both bodily injury and property damage in a covered loss.

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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 Insurance Department and the exam administrator before relying on it.