Simulado Property & Casualty nos EUA
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As perguntas do teste continuam em inglês.
Under the standard HO-3 homeowners form, how are the dwelling and the personal property covered?
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Sobre este teste
Esta é uma amostra grátis de 15 questões para a parte de property and casualty, os seguros de danos patrimoniais e de responsabilidade, de uma prova estadual de licença de corretor de seguros (producer) nos EUA, escrita pela equipe da StudyPDF. Ela cobre os formulários e coberturas do seguro residencial (homeowners), as partes da apólice de auto pessoal, noções de linhas comerciais, conceitos de responsabilidade, avaliação do dano, indenização, franquias e cosseguro (coinsurance), misturando múltipla escolha, marcar todas as corretas e completar a lacuna. Responda as 15 questões, depois veja sua pontuação e leia a explicação de cada uma.
Todas as 15 questões de uma vez
Prefere ler antes de jogar? Todas as questões da amostra estão listadas abaixo. As respostas e as explicações ficam fechadas até você abrir.
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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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
Resposta: 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?
Marque todas as opções corretas.
- 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
Resposta: 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?
Marque todas as opções corretas.
- 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
Resposta: 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?
Marque todas as opções corretas.
- 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
Resposta: 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.
Opções para a lacuna 1: $44,000, $45,000, $48,000, $59,000
Resposta: $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.
Opções para a lacuna 1: $120,000, $100,000, $50,000, $150,000
Opções para a lacuna 2: $30,000, $50,000, $15,000, $25,000
Resposta: $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 _____.
Opções para a lacuna 1: $3,000, $30,000, $60,000, $90,000
Opções para a lacuna 2: $75,000, $100,000, $150,000, $200,000
Resposta: $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.
O que a prova de property and casualty realmente cobra
Não existe uma prova nacional única de property and casualty. O departamento de seguros de cada estado decide quais linhas de autorização existem, quem pode fazê-las, quanto tempo dura cada prova, qual nota aprova e quanto da lei estadual a prova contém. Alguns estados juntam property e casualty em uma só licença, outros separam as linhas pessoais das comerciais, e o número de questões e as notas de aprovação mudam de estado para estado. O manual do candidato do seu estado, publicado por meio da empresa que aplica a prova, traz o conteúdo programático exato e é grátis, então baixe-o primeiro.
O que quase todos os estados têm em comum é o conteúdo geral: os princípios dos contratos de seguro, os formulários do seguro residencial e suas coberturas, a apólice de auto pessoal, as apólices comerciais que uma pequena empresa contrata, conceitos de responsabilidade, como as perdas são avaliadas e como franquias e cosseguro mudam um pagamento. Em cima disso vem um bloco da lei de seguros do seu próprio estado, sobre licenciamento, avisos de cancelamento e de não renovação, tarifas e formulários e deveres do producer. Esse bloco é a parte que nenhum conjunto nacional de questões consegue cobrir.
Esta amostra fica só em property and casualty e deixa o seguro de vida e as anuidades para o teste próprio deles. Nada nesta página é orientação jurídica, e quando um valor depende do estado ou do formulário da apólice, a explicação diz isso.
Como usar esta amostra e como estudar a matéria
Faça as 15 questões de uma vez, sem anotações, depois leia a explicação de cada uma, inclusive das que você acertou. Um chute de sorte e um entendimento de verdade valem o mesmo aqui e muito diferente no dia da prova. Quando errar uma questão, trate-a como um tema. Se você errou a questão da Coverage C e a de riscos nomeados (named perils), revise como o formulário residencial trata a construção e os bens como uma ideia só, porque a prova pergunta sobre isso de vários ângulos.
As questões de property and casualty giram em torno do vocabulário exato. Riscos abertos (open perils) e riscos nomeados são formas diferentes de conceder cobertura. Valor real em dinheiro (actual cash value) e custo de reposição (replacement cost) resolvem o mesmo sinistro por valores diferentes. Uma apólice por ocorrência (occurrence) e uma apólice por reclamação (claims-made) definem quais reclamações uma apólice de responsabilidade cobre. Mantenha uma lista dos pares que você confunde e treine um contra o outro em vez de reler o capítulo.
Faça as contas com lápis. Cosseguro, limites divididos (split limits) e limites em percentual da Coverage A seguem os mesmos passos: ache a base, aplique a regra que a apólice usa e confira se a questão quer o pagamento inteiro ou só uma parte. Depois estude a lei de seguros do seu estado separadamente, porque nada dela é coberto aqui.
Como a StudyPDF cria simulados completos a partir do seu livro de preparação
Quinze questões mostram onde você está frágil. Elas não deixam você pronto para a prova, e um banco geral não diz nada sobre o bloco de lei estadual da sua prova.
A StudyPDF parte do seu próprio material. Envie o livro de preparação que você comprou, o pacote do seu curso preparatório, o manual do candidato que o seu estado publicou ou os slides do seu instrutor, e o Bo, o agente de estudo, cria simulados completos a partir dessas páginas exatas. Cada questão é baseada no seu material, e cada explicação aponta de volta para de onde veio a resposta, então dá para ir direto à fonte quando algo parecer estranho. Gere simulados novos quantas vezes quiser, foque em uma área como a apólice de auto pessoal ou o cosseguro e veja quais conceitos você continua errando.
Você não precisa enviar nada para começar. Se o material do seu curso ainda está a caminho, diga um tema, por exemplo formulários do seguro residencial ou as partes da apólice de auto, e o Bo escreve um simulado sobre ele. Começar é grátis, e cabe na rotina de quem trabalha, que é como a maioria das pessoas se prepara para uma licença.
Escrito pela equipe da StudyPDF. Atualizado em 19 de agosto de 2026.
Bom saber
Este simulado de property and casualty é grátis?
Sim. As 15 questões, a tela de pontuação e todas as explicações são grátis para jogar no navegador, e você pode refazer o teste quantas vezes quiser. Não há paywall nesta página.
Quantas questões tem a prova de property and casualty, e que nota aprova?
O seu estado define as duas coisas, junto com o tempo limite, as regras de nova tentativa e qualquer curso preparatório obrigatório. Os estados também nomeiam e dividem as linhas de formas diferentes, então uma licença de property and casualty em um estado pode cobrir o que duas licenças cobrem em outro. Baixe o manual do candidato do seu estado para ver os números atuais em vez de confiar em uma regra de bolso.
Isto cobre a lei de seguros do meu estado?
Não. Estas questões cobrem o conhecimento geral de property and casualty que se espera da maioria dos candidatos. Cada estado também testa a sua própria lei de seguros, como licenciamento, regras de cancelamento e de não renovação e deveres do producer. Estude essa parte pelo manual do candidato do seu estado e pelo material do seu curso.
Quem escreveu estas questões, e dá para ter mais a partir do meu livro de preparação?
A equipe da StudyPDF escreveu cada questão e cada explicação a partir dos conteúdos programáticos gerais. Não são questões reais da prova, e nenhuma vem do banco de um provedor de preparação. A StudyPDF não tem vínculo com nenhum departamento estadual de seguros, empresa aplicadora de provas ou escola preparatória, e nada aqui é orientação jurídica. Para ter mais, envie o seu livro de preparação ou o pacote do curso e o Bo cria simulados completos a partir das suas páginas exatas, ou diga um tema se você não tem nada para enviar.
Precisa de mais que uma amostra?
Envie seu próprio livro de preparação, slides ou anotações e o Bo cria simulados completos a partir do seu material, acompanha os conceitos que você continua errando e foca nos seus pontos fracos. Comece grátis.