Extended coverage perils - Study guides, Class notes & Summaries
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Xcel Testing Solutions, Life and Health Insurance Exam Questions With Answers Latest 2023-2024 Graded A+
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Barbara's policy includes a rider which allows her to purchase additional insurance at specific 
dates or events without evidence of insurability. This rider is called a(n) 
Answers>>Guaranteed insurability rider 
A guaranteed insurability rider allows for the insured to purchase additional insurance at 
specific dates or events without evidence of insurability. 
Disability Income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Answers&g...
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Texas Property and Casualty Exam Questions and Answers Verified 100%
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Texas Property and Casualty Exam Questions and Answers Verified 100% 
 
____ is uncertainty of loss - risk 
 
____ is a transfer of risk from the insured to the insurer - insurance 
 
____ risk means there is no chance of gain. It is insurable. - pure 
 
____ risk means there is a chance of a loss or a gain. It is not insurable. - speculative 
 
a ____ is something that increases the risk. - hazard 
 
the principle of _____ governs property and casualty policies. It states that the purpose of th...
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Texas Property & Casualty Insurance License Exam With Accurate Answers 2023
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Texas Property & Casualty Insurance License Exam with Accurate Answers 2023 
 
In order to be considered legally binding, an insurance contract must include all of the following - Offer and acceptance. 
Competent parties. 
Consideration 
(The four essential elements of all legal contracts are offer and acceptance, consideration, legal purpose, and competent parties.) 
 
With respect to a bonded contractor who defaults on a construction performance contract, which of the following statements is...
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New York All Lines Adjuster Exam with 100% Correct Answers 2024-2025 (Graded)
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New York All Lines Adjuster Exam with 100% Correct Answers (Graded) DP - valuation - ANSWER-DP-1 - ACV building & contents 
DP-2/3 - RCV building & ACV contents 
DP - limit for fair rental value - ANSWER-20% of A 
DP - coverages (A-E) - ANSWER-A - dwelling 
B - other structures 
C - personal property 
D - fair rental value 
E - additional living expense 
DP - limit for additional living expenses - ANSWER-DP-1 - NONE 
DP-2/3 - 20% of A 
DP - Property removed is covered for ___ days. - ANSWER-DP-...
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AIC 31 Questions and Answers well Explained Latest 2024/2025 Update 100% Correct.
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Which one of the following describes a windstorm under an insurance policy? -️️A wind of any 
velocity having sufficient force to cause damage 
Which one of the following statements is true regarding the peril of collapse? - ️️Insurers agree to 
pay for collapse of the insured building caused by perils listed in the form. 
Paco Campos accidentally tosses a cigarette in a trash can in his old detached garage. The garage catches 
on fire, but Paco, knowing his insurance policy will provide...
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New York All Lines Adjuster Exam with 100% Correct Answers 2024-2025 (Graded A+)
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New York All Lines Adjuster Exam with 100% Correct Answers (Graded A+) DP - valuation - ANSWER-DP-1 - ACV building & contents 
DP-2/3 - RCV building & ACV contents 
DP - limit for fair rental value - ANSWER-20% of A 
DP - coverages (A-E) - ANSWER-A - dwelling 
B - other structures 
C - personal property 
D - fair rental value 
E - additional living expense 
DP - limit for additional living expenses - ANSWER-DP-1 - NONE 
DP-2/3 - 20% of A 
DP - Property removed is covered for ___ days. - ANSWER-...
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AINS 23 Exam Questions with All Correct Answers
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AINS 23 Exam Questions with All Correct Answers 
 
Commonly covered perils for Hull insurance - Answer- (1) Perils of the sea, including high winds, rough seas, strandings, groundings and collisions 
(2) Fire, lightning & earthquake 
(3) Barratry--serious misconduct by the captain or crew that causes damage to the vessel 
(4) All other like perils--this is not "all risk", only all similar perils named in the policy 
 
Commonly also includes wording to cover items like electrical breakdown, bo...
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New York All Lines Adjuster Exam with Correct Answers Latest 2024/2025 (Graded)
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New York All Lines Adjuster Exam with Correct Answers 2024/2025 (Graded) DP-2/3 - RCV building & ACV contents 
DP - limit for fair rental value - ANSWER-20% of A 
DP - coverages (A-E) - ANSWER-A - dwelling 
B - other structures 
C - personal property 
D - fair rental value 
E - additional living expense 
DP - limit for additional living expenses - ANSWER-DP-1 - NONE 
DP-2/3 - 20% of A 
DP - Property removed is covered for ___ days. - ANSWER-DP-1 - 5 days 
DP-2 - 30 days 
DP - limit for trees/pl...
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Chapter 10 COM 125 Practice Quiz Question and answers verified to pass
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Chapter 10 COM 125 Practice Quiz Question and answers verified to pass Section 3. 1 - Overview - correct answer ... 
 
Advantage of the all risks approach is that it is more difficult for insurers to deny coverage under an all risks form. With an all risks form, the burden is on the insurer to show that coverage does not apply to a particular loss, whereas with a named perils form, the insured must show that loss was caused by a peril specifically insured against in the policy. (T/F)? - correc...
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CISR Insuring Commercial Property Exam 146 Questions with Answers,100% CORRECT
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CISR Insuring Commercial Property Exam 146 Questions with Answers 
 
Select the answer that most closely describes Actual Cash Value (ACV). - CORRECT ANSWER A method of establishing the value of property wherein depreciation and obsolescence are deducted from the value of the property. 
 
Select the answer that most closely describes Functional Replacement Cost. - CORRECT ANSWER A provision which changes the policy valuation so as to provide for replacement with a different structure which per...
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