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  4. Property Casualty Basics

Free Property Casualty Basics Practice Questions

Pennsylvania Personal Lines exam (series 16-16) — 50 practice questions.

Subtopics: Standard fire policy, Residential cancellation notice, Nonrenewal notice, FAIR Plan, Rate regulation, 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. Pennsylvania's standard fire policy provisions establish minimum terms for coverage against:

Fire, lightning, and removal of property

The standard fire policy sets minimum statutory provisions for fire, lightning, and removal coverage in Pennsylvania.

2. For a homeowners policy in force more than 60 days, Pennsylvania generally allows midterm cancellation only for specific reasons with at least:

30 days advance written notice

After the policy has been in effect beyond the initial period, midterm cancellation requires statutory cause and at least 30 days advance written notice.

3. A Pennsylvania insurer that decides not to renew a homeowners policy must provide the insured advance written notice of at least:

30 days

Nonrenewal of a personal lines property policy requires advance written notice (generally at least 30 days) stating the reason.

4. The Pennsylvania FAIR Plan provides:

Basic property insurance to those unable to obtain it in the voluntary market

The FAIR Plan is a residual market that provides basic property coverage to applicants who cannot obtain it normally.

All Personal Lines 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.