Property & Casualty oefentoets (VS)
- 15 vragen
- Ongeveer 15 min
- Gratis
De vragen van de test blijven in het Engels.
Under the standard HO-3 homeowners form, how are the dwelling and the personal property covered?
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Over deze test
Dit is een gratis proefset van 15 vragen voor het onderdeel property and casualty (schade- en aansprakelijkheidsverzekeringen) van een Amerikaans producer licensing-examen per staat, geschreven door het StudyPDF-team. De vragen gaan over homeowners-polissen en hun dekkingen, de onderdelen van de personal auto policy, de basis van commercial lines, aansprakelijkheidsbegrippen, waardering, vergoeding, eigen risico en coinsurance, met meerkeuzevragen, selecteer alles wat van toepassing is en invulvragen door elkaar. Beantwoord alle 15 vragen, bekijk daarna je score en lees de uitleg bij elke vraag.
Alle 15 vragen op een rij
Liever eerst lezen? Hieronder staat elke vraag uit deze oefentoets. Antwoorden en uitleg blijven ingeklapt tot je ze opent.
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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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
Antwoord: 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?
Selecteer alles wat van toepassing is.
- 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
Antwoord: 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?
Selecteer alles wat van toepassing is.
- 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
Antwoord: 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?
Selecteer alles wat van toepassing is.
- 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
Antwoord: 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.
Opties voor invulveld 1: $44,000, $45,000, $48,000, $59,000
Antwoord: $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.
Opties voor invulveld 1: $120,000, $100,000, $50,000, $150,000
Opties voor invulveld 2: $30,000, $50,000, $15,000, $25,000
Antwoord: $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 _____.
Opties voor invulveld 1: $3,000, $30,000, $60,000, $90,000
Opties voor invulveld 2: $75,000, $100,000, $150,000, $200,000
Antwoord: $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.
Wat het examen property and casualty echt toetst
Er bestaat geen enkel landelijk examen property and casualty. De verzekeringsdienst van elke staat bepaalt welke lines of authority er zijn, wie ze mag afleggen, hoe lang elk examen duurt, welke score volstaat en hoeveel staatswetgeving de toets bevat. Sommige staten voegen property en casualty samen in een licentie, andere splitsen personal lines van commercial lines, en het aantal vragen en de slaaggrens verschillen per staat. Het candidate handbook van je staat, gepubliceerd via haar toetsaanbieder, heeft het exacte inhoudsoverzicht en is gratis, dus download dat eerst.
Wat bijna elke staat gemeen heeft, is het algemene kennisoverzicht: de principes achter verzekeringscontracten, de homeowners-formulieren en hun dekkingen, de personal auto policy, de commerciële polissen die een klein bedrijf koopt, aansprakelijkheidsbegrippen, hoe schade wordt gewaardeerd en hoe eigen risico en coinsurance een uitkering veranderen. Daar bovenop zit een blok verzekeringswetgeving van je eigen staat, over licenties, opzeggings- en niet-verlengingsberichten, tarieven en formulieren, en de plichten van de producer. Dat blok is het deel dat geen landelijke vragenset kan dekken.
Deze proefset blijft bij property and casualty en laat levensverzekeringen en annuities aan hun eigen toets. Niets op deze pagina is juridisch advies, en waar een cijfer van de staat of van het polisformulier afhangt, zegt de uitleg dat.
Hoe je deze proefset gebruikt en hoe je de stof leert
Maak alle 15 vragen in een keer zonder aantekeningen en lees daarna de uitleg bij elke vraag, ook bij de vragen die je goed had. Een gelukkige gok en echt begrip leveren hier dezelfde score op en op de examendag een heel andere. Als je een vraag mist, behandel dat dan als een onderwerp. Had je de Coverage C-vraag en de named perils-vraag fout, herhaal dan als een samenhangend idee hoe het homeowners-formulier de woning en de inboedel behandelt, want het examen vraagt er vanuit verschillende hoeken naar.
Vragen over property and casualty draaien om exacte woorden. Open perils en named perils zijn verschillende manieren om dekking te verlenen. Actual cash value en replacement cost regelen dezelfde schade voor verschillende bedragen. Een occurrence-polis en een claims-made-polis bepalen welke claims een aansprakelijkheidspolis beantwoordt. Houd een lijst bij van de paren die je door elkaar haalt en oefen die tegen elkaar in plaats van het hoofdstuk opnieuw te lezen.
Doe de rekensommen met een potlood. Coinsurance, split limits en limieten als percentage van Coverage A volgen dezelfde stappen: zoek de basis, pas de regel van de polis toe en kijk of de vraag om de hele uitkering of om een deel ervan vraagt. Werk daarna apart door de verzekeringswetgeving van je eigen staat, want daar is hier niets van gedekt.
Zo bouwt StudyPDF volledige oefentoetsen uit je voorbereidingsboek
Vijftien vragen kunnen laten zien waar je wankelt. Klaar voor het examen maken ze je niet, en een algemene bank zegt niets over het staatswetblok van jouw eigen examen.
StudyPDF werkt juist vanuit jouw eigen materiaal. Upload het voorbereidingsboek dat je kocht, de bundel van je pre-licensing-cursus, het candidate handbook dat je staat publiceerde of de slides van je docent, en Bo, de studie-agent, bouwt volledige oefentoetsen uit precies die pagina's. Elke vraag is gebaseerd op jouw materiaal en elke uitleg verwijst terug naar waar het antwoord vandaan komt, dus je gaat meteen naar de bron als iets niet klopt. Maak zo vaak als je wilt nieuwe toetsen, richt ze op een enkel gebied zoals de personal auto policy of coinsurance, en zie welke begrippen je blijft missen.
Je hoeft niets te uploaden om te beginnen. Ligt je cursusmateriaal nog onderweg, noem dan een onderwerp, bijvoorbeeld homeowners-formulieren of de onderdelen van de autopolis, en Bo schrijft daar een oefentoets over. Beginnen is gratis en past naast een baan, en zo bereiden de meeste mensen zich op een licentie voor.
Geschreven door het StudyPDF-team. Laatst bijgewerkt op 19 augustus 2026.
Goed om te weten
Is deze oefentoets property and casualty gratis?
Ja. Alle 15 vragen, het scorescherm en elke uitleg zijn gratis te spelen in je browser, en je kunt de toets zo vaak herhalen als je wilt. Op deze pagina zit geen betaalmuur.
Hoeveel vragen heeft het examen property and casualty en welke score haalt het?
Je staat bepaalt beide, samen met de tijdslimiet, de herkansingsregels en eventuele pre-licensing-opleiding. Staten geven de lines ook verschillende namen en splitsen ze anders, dus een property and casualty-licentie in de ene staat kan dekken wat in een andere staat twee licenties dekken. Download het candidate handbook van je staat voor de actuele cijfers in plaats van op een vuistregel te vertrouwen.
Behandelt dit de verzekeringswetgeving van mijn staat?
Nee. Deze vragen gaan over de algemene property and casualty-kennis die de meeste kandidaten moeten hebben. Elke staat toetst daarnaast zijn eigen verzekeringswetgeving, zoals licenties, regels over opzegging en niet-verlenging, en de plichten van de producer. Leer dat deel uit het candidate handbook van je staat en je cursusmateriaal.
Wie heeft deze vragen geschreven, en kan ik er meer krijgen uit mijn eigen voorbereidingsboek?
Het StudyPDF-team heeft elke vraag en elke uitleg geschreven naar de algemene inhoudsoverzichten. Het zijn geen echte examenvragen en geen enkele komt uit de bank van een examenvoorbereider. StudyPDF heeft geen band met een verzekeringsdienst van een staat, een toetsaanbieder of een voorbereidingsschool, en niets hier is juridisch advies. Voor meer upload je je voorbereidingsboek of cursusbundel en Bo bouwt volledige oefentoetsen uit je eigen pagina's, of noem gewoon een onderwerp als je niets hebt om te uploaden.
Meer nodig dan een korte oefentoets?
Upload je eigen leerboek, slides of aantekeningen en Bo bouwt volledige oefentoetsen uit precies jouw materiaal, houdt bij welke begrippen je blijft missen en richt zich op je zwakke plekken. Gratis om te beginnen.