Øveprøve i skadesforsikring (USA)
- 15 spørgsmål
- Cirka 15 min.
- Gratis
Testens spørgsmål er på engelsk.
Under the standard HO-3 homeowners form, how are the dwelling and the personal property covered?
Læser du med dine egne noter? Lav min egen øveprøve
Om denne test
Det her er en gratis smagsprøve på 15 spørgsmål til skadesforsikringsdelen (property and casualty) af en amerikansk delstats licensprøve for forsikringsproducenter, skrevet af StudyPDF-teamet. Den dækker homeowners-policer og deres dækninger, delene i den personlige bilforsikring, grundlæggende erhvervsforsikring, ansvarsbegreber, værdiansættelse, erstatningsprincippet, selvrisiko og coinsurance, og den blander multiple choice, vælg alle der passer og udfyld det tomme felt. Svar på alle 15 spørgsmål, se så din score og læs forklaringen til hvert spørgsmål.
Alle 15 spørgsmål i overblik
Vil du hellere læse, før du går i gang? Alle spørgsmål i smagsprøven står herunder. Svar og forklaringer er foldet sammen, indtil du åbner dem.
1.Under the standard HO-3 homeowners form, how are the dwelling and the personal property covered?
- A. Named perils on both the dwelling and the personal property
- B. Open perils on the dwelling and named perils on the personal property
- C. Open perils on the personal property and named perils on the dwelling
- D. Open perils on both the dwelling and the personal property
Svar: B. Open perils on the dwelling and named perils on the personal property
The HO-3 special form insures the dwelling and other structures against all risks of direct physical loss unless the policy excludes them, which is open perils. Personal property is covered only against the perils the form lists, such as fire, theft and windstorm, which is named perils. The HO-5 form is the one that extends open perils to the contents as well. Open perils is not the same as covering everything, because exclusions such as flood, earth movement and wear and tear still apply.
2.Which homeowners form is written for a person who owns a condominium unit and needs to insure the interior and the belongings?
- A. HO-2
- B. HO-4
- C. HO-8
- D. HO-6
Svar: D. HO-6
HO-6 is the unit-owners form. It covers the owner's personal property, the interior finishes and fixtures the owner is responsible for, and personal liability, and it works alongside the master policy the condominium association carries on the building. HO-4 is the tenants form, which insures contents and liability for a renter who owns no structure. HO-2 is a named perils form for a house, and HO-8 is a modified form for older homes where the cost to rebuild exceeds the market value. Which structures count as the owner's responsibility depends on the association's bylaws.
3.To collect replacement cost on a partial loss to a dwelling, a homeowner typically has to insure the dwelling to at least what share of its replacement cost?
- A. 50 percent
- B. 70 percent
- C. 80 percent
- D. 100 percent
Svar: C. 80 percent
The standard homeowners replacement cost condition asks for insurance to at least 80 percent of the dwelling's replacement cost. Carry that much or more and a partial loss is paid at replacement cost without deduction for depreciation, up to the limit. Carry less and the insurer pays the greater of the actual cash value or a proportion of the loss, namely the amount carried divided by the amount required. The share is set by the policy form, so read the condition in the policy you are quoted.
4.Under a personal auto policy, which part pays for bodily injury and property damage that the insured causes to others?
- A. Part A, liability coverage
- B. Part B, medical payments coverage
- C. Part C, uninsured motorists coverage
- D. Part D, coverage for damage to your auto
Svar: A. Part A, liability coverage
Part A is liability. It pays what the insured is legally obligated to pay for bodily injury or property damage caused by an accident, up to the limit, and it also provides a defense, with defense costs paid in addition to the limit. Part B pays reasonable medical expenses for covered persons in an accident regardless of fault. Part C protects the insured when an at-fault driver has no insurance, and many states add underinsured motorists coverage. Part D pays for damage to the insured's own car through collision or other than collision coverage. Required liability limits and the fault system are set by each state.
5.A personal auto policy shows liability limits of 50/100/25. What does that mean?
- A. $50,000 property damage, $100,000 per accident, $25,000 medical payments
- B. $50,000 bodily injury per person, $100,000 bodily injury per accident, $25,000 property damage per accident
- C. $50,000 per accident, $100,000 per year, $25,000 per claim
- D. $50,000 bodily injury per accident, $100,000 per person, $25,000 deductible
Svar: B. $50,000 bodily injury per person, $100,000 bodily injury per accident, $25,000 property damage per accident
Split limits read in order: bodily injury each person, bodily injury each accident, and property damage each accident. The first number is the most the policy pays to any one injured person, the second is the most it pays for all injuries in one accident, and the third is the property damage cap. A single limit policy has one combined number for all three. Higher limits cost more, though not proportionally, and your state sets the minimum limits drivers must carry.
6.Which insurance principle says a covered loss should put the insured back in the same financial position as before, but not in a better one?
- A. Subrogation
- B. Utmost good faith
- C. Indemnity
- D. Insurable interest
Svar: C. Indemnity
Indemnity limits recovery to the actual financial loss, which is why a policy pays actual cash value, replacement cost less depreciation, unless the owner bought replacement cost coverage, and why other insurance clauses prevent anyone from collecting twice for one loss. Subrogation is the insurer's right to recover what it paid from the party who caused the loss. Utmost good faith requires honest disclosure in the application. Insurable interest means the insured stands to suffer a financial loss, and in property insurance it must exist at the time of the loss.
7.A driver is hit by a negligent motorist. The driver's insurer pays for the repairs and then goes after the negligent motorist's insurer. What is this right called?
- A. Subrogation
- B. Contribution
- C. Reinstatement
- D. Salvage
Svar: A. Subrogation
Subrogation transfers the insured's right to recover from a responsible third party to the insurer that paid the claim. A policy typically requires the insured to do nothing that harms those rights, such as signing a release that gives up the claim, once the loss has happened. Contribution is how two insurers covering the same loss share it. Salvage is the insurer's right to take over damaged property it has paid for, and reinstatement is about restoring a lapsed contract or a reduced limit.
8.A commercial general liability policy is written on an occurrence form. Which claim does it respond to?
- A. Any claim reported during the policy period, whenever the injury happened
- B. A claim for an injury that began before the policy was bought
- C. A claim for a business owner's own property damage
- D. A claim for injury that happened during the policy period, even if the suit comes later
Svar: D. A claim for injury that happened during the policy period, even if the suit comes later
An occurrence form triggers on when the bodily injury or property damage happens, not on when the claim is made, so a claim filed years later is still answered by the policy that was in force at the time. A claims-made form triggers on when the claim is first reported, and it usually has a retroactive date, so the insured needs continuous coverage or an extended reporting period. Commercial general liability covers third party injury and damage. A business owners policy packages that liability with property and income coverage for smaller businesses.
9.A homeowner asks whether the homeowners policy covers flood damage. What is the best answer?
- A. Yes, if the flood damages the dwelling
- B. No, flood is generally excluded and needs a separate flood policy, which can have a waiting period before it takes effect
- C. Yes, but only for personal property
- D. No, and flood insurance cannot be bought at all
Svar: B. No, flood is generally excluded and needs a separate flood policy, which can have a waiting period before it takes effect
Flood, along with earth movement, is a standard exclusion from a homeowners form. Flood coverage is bought separately, either through the federal National Flood Insurance Program or from private insurers. A new policy generally has a waiting period before coverage starts, commonly 30 days, so it cannot be bought as the storm arrives. Whether a lender requires flood insurance depends on the property's flood zone and the loan. A producer must tell the client what the policy excludes, and that includes this exclusion.
10.Which of the following are elements that must be present for a negligence claim to succeed?
Vælg alle, der passer.
- A. A duty of care owed and a breach of that duty
- B. Intent to cause harm
- C. Actual damages
- D. A causal link between the breach and the damages
- E. A written agreement between the parties
Svar: A. A duty of care owed and a breach of that duty, C. Actual damages, D. A causal link between the breach and the damages
Negligence needs four things: a duty of care, a breach of that duty, damages and proximate cause, which links the breach to the harm. Intent is the mark of an intentional act, and the liability section of most policies excludes intentional harm. Negligence needs no written agreement, since the duty comes from the law, not from a contract. Liability insurance pays damages the insured is legally obligated to pay because of negligence, up to the limit, and gives a defense.
11.Which of the following are covered under Coverage D, loss of use, in a homeowners policy?
Vælg alle, der passer.
- A. Extra living costs while the home cannot be lived in after a covered loss
- B. Fair rental value of a part of the home the owner rents to others
- C. The cost to repair the dwelling itself
- D. The cost of a replacement laptop used for the owner's business
- E. Costs when a civil authority bars access because of covered damage next door
Svar: A. Extra living costs while the home cannot be lived in after a covered loss, B. Fair rental value of a part of the home the owner rents to others, E. Costs when a civil authority bars access because of covered damage next door
Coverage D pays additional living expense, meaning the increase over normal costs such as a hotel or a short-term rental, while the home is unfit to live in because of a covered loss. It also pays fair rental value for a rented part of the home and, for a short period, loss caused when a civil authority prohibits use after covered damage to a neighbor's premises. Repairing the dwelling is Coverage A. Business property carries limits in the standard form and usually needs a separate business policy or endorsement. A common default limit for Coverage D is 30 percent of Coverage A.
12.Which statements about the personal auto policy are correct?
Vælg alle, der passer.
- A. Part B medical payments applies to covered persons regardless of who was at fault
- B. Part C responds when an at-fault driver has no insurance
- C. Part A pays to repair the insured's own car
- D. Collision coverage under Part D applies whether or not the insured was at fault, after the deductible
- E. Liability coverage pays for harm the insured causes on purpose
Svar: A. Part B medical payments applies to covered persons regardless of who was at fault, B. Part C responds when an at-fault driver has no insurance, D. Collision coverage under Part D applies whether or not the insured was at fault, after the deductible
Medical payments and collision are first party coverages, so fault does not decide whether they respond, and collision applies a deductible. Uninsured motorists coverage under Part C is there for the insured when the responsible driver carries no insurance, and underinsured coverage extends that where the at-fault driver's limits are too low. Part A is third party liability and does not pay for the insured's own car. Intentional acts are excluded from liability because insurance covers fortuitous loss, meaning loss that is accidental from the insured's point of view.
13.Complete the sentence.
A building is worth $400,000 and the policy carries an 80 percent coinsurance clause. The owner insured it for $240,000. After a $60,000 loss, with a $1,000 deductible, the insurer pays _____, applying the coinsurance ratio to the loss before the deductible is subtracted.
Muligheder for felt 1: $44,000, $45,000, $48,000, $59,000
Svar: $44,000
Eighty percent of $400,000 is the $320,000 the owner needed to carry. The owner carried $240,000, so the ratio is $240,000 over $320,000, which is 0.75. Seventy-five percent of the $60,000 loss is $45,000, and the deductible comes off after that, leaving $44,000. The owner bears the remaining share of the loss as a penalty for underinsuring. Had the owner carried $320,000 or more, the $60,000 loss would have been paid in full less the deductible. The order matters: the standard commercial property coinsurance condition applies the ratio to the loss first and then subtracts the deductible.
14.Complete the sentence.
A driver with 50/100/25 liability limits causes an accident that injures three people, each with $40,000 of damages, and destroys property worth $30,000. The policy pays _____ for bodily injury and _____ for property damage.
Muligheder for felt 1: $120,000, $100,000, $50,000, $150,000
Muligheder for felt 2: $30,000, $50,000, $15,000, $25,000
Svar: $100,000, $25,000
Each person's $40,000 is under the $50,000 per person limit, but the three claims together are $120,000, which is above the $100,000 per accident bodily injury limit, so the policy pays $100,000. The property damage claim of $30,000 exceeds the $25,000 limit, so the policy pays $25,000. The insured is personally responsible for the rest, which is why higher limits matter, and why an umbrella policy sits above the auto and homeowners limits. Defense costs are paid in addition to these limits.
15.Complete the sentence.
A standard HO-3 policy has $300,000 of Coverage A on the dwelling. The common default limit for Coverage B, other structures, is 10 percent of Coverage A, or _____, and for Coverage C, personal property, 50 percent of Coverage A, or _____.
Muligheder for felt 1: $3,000, $30,000, $60,000, $90,000
Muligheder for felt 2: $75,000, $100,000, $150,000, $200,000
Svar: $30,000, $150,000
Coverage B insures detached structures such as a garage or fence, set at 10 percent of Coverage A, which is $30,000 here. Coverage C insures belongings, set at 50 percent of Coverage A, which is $150,000. Coverage D, loss of use, usually defaults to 30 percent of Coverage A. Because the other limits are percentages of the dwelling, raising Coverage A raises them too, and many policies let the owner buy more. These defaults come from the standard forms, so confirm them in the actual policy.
Hvad skadesforsikringsprøven faktisk tester
Der findes ingen national skadesforsikringsprøve. Hver delstats forsikringstilsyn bestemmer, hvilke dækningsområder (lines of authority) der findes, hvem der må tage dem, hvor lang hver prøve er, hvilken score der giver bestået, og hvor meget delstatslovgivning prøven indeholder. Nogle delstater samler property og casualty i én licens, andre skiller personlige forsikringer fra erhvervsforsikringer, og antallet af spørgsmål og beståelseskravene er forskellige fra delstat til delstat. Din delstats candidate handbook (kandidathåndbog), som udgives gennem dens testudbyder, har det præcise indholdsoverblik og er gratis, så hent den først.
Det, næsten alle delstater har til fælles, er det almene fagområde: principperne bag forsikringskontrakter, homeowners-policerne og deres dækninger, den personlige bilforsikring, de erhvervspolicer en lille virksomhed køber, ansvarsbegreber, hvordan tab værdiansættes, og hvordan selvrisiko og coinsurance ændrer en udbetaling. Oven i det kommer en blok om din egen delstats forsikringslovgivning, der dækker licenser, varsler om opsigelse og ikke-fornyelse, priser og policeformularer og producentens pligter. Den blok kan intet nationalt spørgsmålssæt dække.
Smagsprøven holder sig til skadesforsikring og overlader livsforsikring og livrenter til sin egen prøve. Intet på denne side er juridisk rådgivning, og hvor et tal afhænger af delstaten eller af policeformularen, siger forklaringen det.
Sådan bruger du smagsprøven, og hvordan du læser stoffet
Tag alle 15 spørgsmål i ét stræk uden noter, og læs så forklaringen til hvert spørgsmål, også dem du svarede rigtigt på. Et heldigt gæt og ægte forståelse giver samme score her og meget forskellig score på prøvedagen. Når du missede et spørgsmål, så behandl det som et emne. Hvis du missede Coverage C-spørgsmålet og spørgsmålet om named perils, så repetér, hvordan homeowners-formularen behandler boligen og indboet som én idé, for prøven spørger til den fra flere vinkler.
Skadesforsikringsspørgsmål afhænger af præcise begreber. Open perils og named perils er to forskellige måder at give dækning på. Actual cash value og replacement cost afgør det samme tab til forskellige beløb. En occurrence-police og en claims-made-police afgør, hvilke krav en ansvarsforsikring svarer på. Før en løbende liste over de par, du blander sammen, og træn dem op mod hinanden i stedet for at læse kapitlet igen.
Regn med blyant. Coinsurance, split limits og grænser angivet som procent af Coverage A følger alle de samme trin: find grundlaget, anvend den regel, policen bruger, og tjek, om spørgsmålet vil have hele udbetalingen eller kun en del af den. Gennemgå derefter din delstats forsikringslovgivning for sig, for intet af den er dækket her.
Sådan bygger StudyPDF fulde øveprøver ud fra din forberedelsesbog
Femten spørgsmål kan vise dig, hvor du er usikker. De kan ikke gøre dig klar til prøven, og en almen bank siger ingenting om den delstatslige lovblok på din egen prøve.
StudyPDF tager i stedet udgangspunkt i dit eget materiale. Upload den forberedelsesbog, du har købt, materialet fra dit kursus før licensen, den candidate handbook, din delstat har udgivet, eller de slides, din underviser brugte, så bygger Bo, studieagenten, fulde øveprøver ud fra præcis de sider. Hvert spørgsmål bygger på dit materiale, og hver forklaring peger tilbage på, hvor svaret kommer fra, så du kan gå direkte til kilden, når noget ser forkert ud. Lav nye prøver så tit du vil, afgræns dem til ét område som den personlige bilforsikring eller coinsurance, og se, hvilke begreber du bliver ved med at ramme forkert.
Du behøver ikke uploade noget for at komme i gang. Hvis dit kursusmateriale stadig er på vej med posten, så nævn i stedet et emne, for eksempel homeowners-formularer eller delene i bilpolicen, så skriver Bo en øveprøve ud fra det. Det er gratis at komme i gang, og det kan klares ved siden af et job, som de fleste gør, når de forbereder sig til en licens.
Skrevet af StudyPDF-teamet. Sidst opdateret 19. august 2026.
Godt at vide
Er denne øveprøve i skadesforsikring gratis?
Ja. Alle 15 spørgsmål, scoreskærmen og hver eneste forklaring er gratis at spille i din browser, og du kan tage prøven om, så tit du vil. Der er ingen betalingsmur på denne side.
Hvor mange spørgsmål er der på skadesforsikringsprøven, og hvilken score giver bestået?
Din delstat bestemmer begge dele, sammen med tidsgrænsen, reglerne for omprøve og enhver uddannelse før licensen. Delstaterne navngiver og opdeler også dækningsområderne forskelligt, så en skadesforsikringslicens i én delstat kan dække det, to licenser dækker i en anden. Hent din delstats candidate handbook for de aktuelle tal i stedet for at stole på en tommelfingerregel.
Dækker det min delstats forsikringslovgivning?
Nej. Spørgsmålene dækker den almene skadesforsikringsviden, de fleste kandidater forventes at have. Hver delstat tester også sin egen forsikringslovgivning, for eksempel licenser, regler om opsigelse og ikke-fornyelse og producentens pligter. Læs den del i din delstats candidate handbook og dit kursusmateriale.
Hvem har skrevet spørgsmålene, og kan jeg få flere ud fra min egen forberedelsesbog?
StudyPDF-teamet har skrevet hvert spørgsmål og hver forklaring ud fra de almene indholdsoverblik. Det er ikke rigtige prøvespørgsmål, og ingen stammer fra en forberedelsesudbyders bank. StudyPDF er ikke tilknyttet noget delstatsligt forsikringstilsyn, nogen testudbyder eller nogen forberedelsesskole, og intet her er juridisk rådgivning. Vil du have flere, så upload din forberedelsesbog eller dit kursusmateriale, så bygger Bo fulde øveprøver ud fra dine præcise sider, eller nævn blot et emne, hvis du ikke har noget at uploade.
Har du brug for mere end en smagsprøve?
Upload din egen eksamensbog, dine slides eller noter, så bygger Bo fulde øveprøver ud fra præcis dit materiale, holder styr på de begreber du bliver ved med at ramme forkert, og går efter dine svage punkter. Gratis at komme i gang.