Idaho Property and Casualty Insurance Exam

Idaho Property and Casualty Insurance Exam

Idaho Property and Casualty Insurance Exam Study Guide Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

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Idaho Property and Casualty Insurance Exam Study
Questions and Answers Updated Latest (Verified Answers)

1. Any financial interest in life or property such that, if the life or property
   were lost or harmed, the insured would suffer financially.
   Express Interest
   Insurable Interest
   Implied Interest
   Real Interest
   : Insurable Interest
2. What are the 3 elements of insurable risk?
   Financial, Business, Loss
   Blood, Loss, Interest
   Financial, Blood,
   Business
   Business, Blood, Body
   : Financial, Blood, Business

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3. When must insurable interest exist for a life insurance contract to be
   valid?
   When the policy is written
   Within the first 30 days of the
   policy. At the time of application.
   At the time of loss
   : At the time of loss
4. The individual(s) whose name appears on the policy’s
   declaration. Named Insured
   Insured
   All insured
   Only Insured
   : Named Insured
5. The individual whose name appears first on the policy’s
   declaration Named Insured
   Policyholder
   First Named Insured
   Only Insured
   : First Named Insured
6. In commercial insurance policies, who has control of the policy and is
   the only insured who may cancel the policy or request changes to the

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policy, and is also the one responsible for paying premiums and reporting
losses?
Policyholder
All Insured(s)
Insured(s)
First Named Insured
: First named insured

7. Individuals or business that are not named as insured on the
   declaration page, but are protected by the policy, usually in regard to a
   specific interest.

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Additional Insured
Named Insured
First Named Insured
All Insured
: Additional Insured

8. A sudden, unplanned and unexpected event, not under the control of
   the insured, resulting in injury or damage that is neither expected nor
   intended.
   Accident
   Occurrence
   Event
   Loss
   : Accident
9. A broader definition of loss, which differs from accident in that it
   includes losses caused by continuous or repeated exposure to conditions
   resulting in injury to persons or damage to property that is neither intended
   nor expected. Occurrence
   Peril
   Loss
   Accident
   : Occurrence
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Guarantee ExamFX, Idaho Personal Lines Simulation Exam Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

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Guarantee ExamFX, Idaho Personal Lines Simulation Exam
Questions and Answers Updated Latest (Verified Answers)

1. In the last 72 hours, there were 3 instances of volcanic eruptions that
   damaged a property covered by a dwelling policy. How many deductibles
   will the insured have to pay before the policy covers the damages caused bythe eruptions?
2. Zero
3. One
   3.Two
   4.Three
   ANS one
4. In a personal auto policy (PAP), a covered auto includes all of the
   following EXCEPT
5. A trailer owned by the insured.
6. A farm implement being towed behind the insured’s pickup.
7. A nonowned temporary substitute vehicle.
8. A van used in the delivery business.
   ANS A van used in the delivery business.

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3. Which of the following would NOT be covered as a loss under Coverage
   D of a homeowners policy?
4. An insured has an apartment in his home. The tenant’s negligence starteda fire, and the apartment was not fit to live in for 4 months while repairswere being completed.
5. After a fire in a building next to the insured’s home, the insured could
   not occupy his home, and had to stay at a motel for one week.
6. An insured’s home is damaged by fire. The insured incurs expenses
   for living in a motel and having meals in a restaurant while repairs are
   made.
7. An insured leased a dwelling for 5 years. Two years later, the property
   owner died, and the new property owners wanted to make the property their
   principal residence, so the lease was canceled.
   ANS An insured leased a dwelling for 5 years. Two years later, the
   property owner died, and the new property owners wanted to make the property their principal residence, so the lease was
   canceled.
8. An insurance policy form that lists specific covered perils provides
9. Special peril coverage.
10. Blanket coverage.
11. Named peril coverage.
12. Open peril coverage.

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ANS Named peril coverage.

5. An insured is injured while driving his own car. Which of the
   following coverages will pay for the loss?
6. Part A-Liability
7. Part B – Medical Payments

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3. Part C – Uninsured Motorist
4. Part D-Damage to Your Auto
   ANS Part B – Medical Payments
5. An insured believes that his insurer is not properly fulfilling its
   obligations regarding his policy. What section of the policy will give the
   insured more information about specific duties of the insurer?
6. Obligations
7. Conditions
8. Endorsements
9. Definitions
   ANS Conditions
10. *A trucking company has a $1 million umbrella policy in place. The
    busines- sowner agrees to maintain a 200/500/100 limit on auto liability, and
    a personal liability of $400,000. After a car accident, the business is sued.
    Injuries are awarded to a single injured party in the amount of $300,000. It
    turned out that the business actually carried only 100/250/50 auto liability
    limits. What is the total amount the umbrella policy will pay?
11. $100,000
12. $50,000
13. $200,000
14. $300,000
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Idaho Property and Casualty Insurance Exam Study Guide Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

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Idaho Property and Casualty Insurance Exam Study
Questions and Answers Updated Latest (Verified Answers)

1. another name for insurance agent is:
   principal
   producer
   broker
   recorder
   : producer
2. another name for insurer is:
   principal
   producer
   broker
   policymaker
   : principal
3. The Broad Form Products Coverage endorsement in commercial autopoli- cies does which of the following?
   Adds property coverage
   Removes the defective products

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exclusion Adds the defective products
exclusion
Removes property coverage
: Removes the defective products exclusion

4. All of the following conditions must exist for injury or damage to be
   included in the products and completed operations hazard of a commercial
   general liability policy EXCEPT
   The injury or damage must occur after the insured has released
   physical possession of the product to another.
   The injury or damage must occur within 90 days after the insured’s work is
   completed.
   The injury or damage must occur away from the inured premises.
   The injury or damage must arise out of the insured’s product or work.
   : The injury or damage must occur within 90 days after the insured’s
   work is completed.
   *The products and completed operations hazard included injuries or
   damage that occur after the insured has completed its job and left the
   site, or relinquished control of t product it manufactured or sold. There
   is no time limit on the injury or damage.

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5. CGL Coverage B (Personal and Advertising Injury) will cover

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An offense committed by an insured whose business is advertising.
Inadvertent injury to others caused in the course of advertising the insured’sproduct.
The failure of goods o conform to advertised quality or performance.
Oral or written publication of material the insured knows is false.
: Inadvertent injury to others caused in the course of advertising the
insured’s product.

6. An applicant knowingly fails to communicate information that would
   help an underwriter make a sound decision regarding coverage. This is an
   example of:
   Concealment
   Misrepresentation
   Fraud
   Breach of warranty
   : Concealment
7. When a parent is required to pay for damages caused by his or her
   children, this is an example of
   Strict liability
   Intervening cause
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Idaho Property and Casualty Insurance Exam Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

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Idaho Property and Casualty Insurance Exam
Questions and Answers Updated Latest (Verified Answers)

1. The term flood refers to all of the following EXCEPT
   A. an overflow of inland tidal waters
   B. collapse of land as a result of excessive erosion due to flood
   C. mudslides
   D. sewer backup
   ANS Sewer backup
2. Insurers may be classified according to their financial strength. This
   in- cludes all of the following factors EXCEPT…
   A. Number of clients
   B. Loss experience
   C. Investment performance
   D. Operating expenses
   ANS Number of clients

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3. An individual applied for auto insurance and obtained coverage from
   ABC IC. Who is the 1st party in the contract?
   A.The insured (customer)
   B.The insurer (IC)
   C.The agent
   D.The insured and agent
   ANS A. The insured (customer)
4. If a fire causes damage to a building, the fire is…
   A. A Hazard
   B. A Peril
   C. A Risk
   D. An Exposure
   ANS B. A Peril
5. Wearing a seatbelt in a car is an ex of which method of managing risk?
   A. Retain
   B. Avoid
   C. Reduce
   D.Transfer

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ANS C. Reduce

6. Tiffany leaves her car unlocked when she goes shopping. She figures
   her car and its contents are insured, so there is no reason to worry. Which
   type of hazard is this an example of?
   A. Physical
   B. Morale
   C. Careless
   D. Moral
   ANS Morale
7. A flood is an example of….
   A. A peril

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B. A moral hazard
C. A speculative risk
D. a physical hazard
ANS A peril

8. An insurance company incorporated in Wisconsin and conductingbusiness in Wisconsin is known as a domestic company. What kind ofcompany are they considered if they do business in Minnesota?
   A. Alien
   B. Domestic
   C. Foreign
   D. Nonadmitted
   ANS Foreign
9. All of the following statements about a stock insurance company are
   true EXCEPT
   A. A stock co pays dividends to stockholders
   B. A stock co is a participating co
   C. A Stock co is a nonparticipating co
   D. a stock co has shareholders
   ANS A stock company is a participating company
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Idaho Property and Casualty Insurance Exam Review
Questions and Answers Updated Latest (Verified Answers)
1.What type of information would be found in
a policy’s insuring agreement?
Policy limits
Insurer’s address
Renewal dates
Location of premises
ANS Renewal Dates
2.Which of the following is true of dwelling policy coverage?
Exclusions only apply to broad policy forms.
There are no exclusions in basic forms.
Special forms only have special exclusions.
Exclusions apply to all three policy forms.
ANS Exclusions apply to all three policy forms

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3.All of the following are considered parts of the policy structure EXCEPT
Insuring clause.
Conditions.
Provisions.
Exclusions.
ANS Provisions
4.First aid costs for others injured on the insured’s premises
Apply only if the insured is legally liable.
Also cover injuries to the insured’s family members.
Are deducted from the liability limit.
Are paid in addition to the liability limit.
ANS Are paid in addition to the liability limit.
5.Which of the following risks is eligible for coverage under a
businessowners policy?
a)Banks
b)Automobile
dealers
c)Bars or taverns
d)Condominiums

3 / 78
ANS Condominiums
6.An insured has a homeowners policy and is required to be a member of
the homeowners association in her neighborhood. The association’s
community house has burned down, and the insured has been assessed
$1200 for her share of the rebuilding cost. How much of the assessment will
her homeown- ers policy pay?
a)None
b)$500

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c)$1,000
d)$1,200
ANS $1,000
7.What is the maximum number of roomers or boarders for properties
insured under the dwelling policy?
a)2
b)3
c)5
d)6
ANS 5
8.A type of policy that is used to provide a specific amount of
replacement cost for a given risk after an insured property has been
destroyed is called a(n)
a)Specific risk policy.
b)Valued policy.
c)Pro-forma appraisal policy.
d)Equitable sum policy.
ANS Specific Risk Policy
9.Which of the following types of valuation works best for property
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Idaho Property and Casualty Insurance Exam Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

1 / 43
Idaho Property and Casualty Insurance Exam
Questions and Answers Updated Latest (Verified Answers)

1. Which of the following statements is false with respect to requirements
   for rates?
   A) Rates may not be inadequate
   B) A purpose of the rate regulation is to diminish competition between
   insur- ers
   C) Rates may not be unfairly discriminatory
   D) A purpose of the rate regulation is to regulate cooperative action
   among insurers
   ANS: B
2. The Businessowners Coverage Form to the Businessowners Policy
   pro- vides coverage on which of the following basis?
   A) Modified Perils
   B) Simplified Perils
   C) Broad Perils
   D) Open Perils

2 / 43
ANS: D

3. Which of the following describes the coverage of the Extra Expense
   Cover- age Form?
   A
   It covers the loss of business income during the period of
   restoration B
   It covers the expense of disposing of spoiled merchandise caused by a
   power outage
   C
   It covers the necessary additional expenses incurred during the period of
   restoration which would not otherwise have been incurred in the absence
   of a direct loss
   D
   It covers the expense of removing the debris of a covered direct loss
   ANS: C
4. All of the following are true of negligence,
   except: A
   It is the failure to use ordinary
   care B
   It does not require a duty to be owed
   C
   It is a type of tort

3 / 43
D
It does not include breach of contract
ANS: B

5. All of the following are Optional Coverages under the
   Businessowners Policy, except:

4 / 43
A
Money and
securities B
Employee
dishonesty C
Outdoor signs
D
Personal property of others that is in the insured’s care, custody and controlANS: D

6. Policyholder S has an HO-5 policy with a $250,000 Coverage A limit.
   After a strong wind blows a mailbox into S’s front picture window, causing
   $2,500 damage, S immediately buys $250 of wood and plastic sheeting to
   cover the damaged window and prevent further damage. How much will S’s
   policy pay? A
   $2,250
   B
   $2,750
   C
   $250
   D
   $500
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Idaho Property and Casualty Insurance Exam Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

1 / 6
Idaho Property and Casualty Insurance Exam
Questions and Answers Updated Latest (Verified Answers)
1.Each of the following is listed under the Idaho statute defining
“transacting insurance” EXCEPT
ANS premium trust accounting.
2.The Director of Insurance has the power to regulate Insurance
transactions under
ANS Title 41 of Idaho statutes.
3.It is illegal for an insurance company to advertise
ANS that it is a member of the Guaranty Fund.
4.Client funds received by the Producer may be kept in the following
accounts EXCEPT
ANS Office checking account.

2 / 6
5.Which of the following must have an appointment?
ANS A Producer who repre- sents an insurance company as an agent.
6.Funds in the account payable to the Insurer must be disbursed within
ANS 21 days
7.A temporary producer license is effective for
ANS 180 days.
8.An Idaho producer wants to borrow money from a client. This is lawful
ANS If the Producer has a written loan agreement signed by both
parties.
9.Exaggerating policy terms is
ANS Misrepresentation
10.The Settlement Provider must pay settlement proceeds to an escrow
account within days of receiving the executed change of
ownership documents.

3 / 6
ANS 3
11.Tim has used his cash assets to purchase an annuity. His creditors
want to seize the annuity payments. His creditors will
ANS Be able to seize annuity payments in excess of $1,250 per month.
12.A credit life insurer may be considered to have excessive premiums
unless the loss ratio is at least
ANS 50% of the premiums collected.
13.Which of the following is FALSE regarding advertisements for life
settle- ments?
ANS They cannot use paid testimonials.
14.A person with both licenses in Life, Health, Property, and Casualty must
complete how many hours of Continuing Education in a biennial 2 year
peri- od?
ANS 24 hours
15.The Director may fine anyone transacting insurance without a license
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Idaho Property and Casualty Personal Lines Insurance Exam Questions and Answers (2024 / 2025) Updated Latest (Verified Answers)

1 / 29
Idaho Property and Casualty Personal Lines Insurance ExamQuestions and Answers Updated Latest (Verified Answers)

1. Which of the following statements is false with respect to requirements
   for rates?
   A) Rates may not be inadequate
   B) A purpose of the rate regulation is to diminish competition between
   insur- ers
   C) Rates may not be unfairly discriminatory
   D) A purpose of the rate regulation is to regulate cooperative action
   among insurers
   ANS: B
2. All of the following are true of negligence, except
   A
   It is the failure to use ordinary
   care B
   It does not require a duty to be owed
   C
   It is a type of tort
   D
   It does not include breach of contract

2 / 29
ANS: B

3. Policyholder S has an HO-5 policy with a $250,000 Coverage A limit.
   After a strong wind blows a mailbox into S’s front picture window, causing
   $2,500 damage, S immediately buys $250 of wood and plastic sheeting to
   cover the damaged window and prevent further damage. How much will S’s
   policy pay? A
   $2,250
   B
   $2,750
   C
   $250
   D
   $500
   ANS: B
4. Bodily Injury may include which of the
   following? A
   Loss of Earnings
   B
   Slander
   C
   Invasion of

3 / 29
Privacy D
False Arrest
ANS: A

4 / 29

5. Notic
   e of premium or coverage changes must be sent out with days’
   notice.
   A
   21
   B
   25
   C
   14
   D
   30
   ANS: D
6. All of the following are covered perils under the Extended Coverage
   En- dorsement to the DP-1, except
   A
   Vehicles
   B
   Weight of ice, snow or
   sleet C
   Windstorm
   D
   Volcanic eruption
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1 / 4
Idaho Property and Casualty Insurance Exam
Questions and Answers Updated Latest (Verified Answers)
1.Net Single Premium
ANS Premium that a person must pay in a lump sum to receive all the
benefits promised in the policy if no insurer expenses were considered
2.Insurers will also consider which of the following in evaluating risk.
ANS Numer- ical rating system to evaluate the risk posed by proposed
insureds
3.Key difference between variable life and variable universal life insurance
ANS – Variable life insurance require a fixed premium payable for the
life of the policy while variable universal life permits premium flexibility.4.Survivorship life insurance policies
ANS Insure more than one person but pay the death benefit only when
the second insured dies. Premiums are about the same as for two

2 / 4
comparable single-life policies
5.What are survivorship life insurance policies primarily for
ANS pay estate taxes and other settlement costs when the second
insured dies.
6.Can an employee convert to an individual policy when the group
coverage ends?
ANS yes, within 31 days following termination or retirement from the
group
7.If a policy was instated ten years ago to the day will the insurance
be distributed
ANS No, on the day of policy lapse all coverage is terminated.
8.Who funds salary continuation plan
ANS The employer funds the benefit. Unlike traditional differed
compensation where the employee funds the benefit
9.Why are annuities called the mirror image of life insurance?
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