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Free Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1Who appoints the Arkansas Insurance Commissioner who directs the department's daily operations?

    1. A. The Governor
    2. B. The Attorney General
    3. C. The Secretary of State
    4. D. The General Assembly

    Answer: A

    Explanation: The Governor appoints the commissioner. The rule states that the commissioner is "appointed by the Governor."

    Reference: 23 CARpt 43 — 23 CAR § 43-102(c), p. 2

  2. 2If no comparable automobile is available locally, what valuation method may an Arkansas insurer use for a first-party total loss?

    1. A. One of at least two quotations obtained from qualified local dealers or appraisal services
    2. B. The cost of an available comparable automobile in the local market
    3. C. An offer of a specific comparable replacement automobile available to the insured
    4. D. A documented settlement that deviates from the rule's listed valuation methods

    Answer: A

    Explanation: Arkansas permits a quotation method when no local comparable vehicle is available. The rule allows "one (1) of two (2) or more quotations" from qualified local sources.

    Reference: 23 CARpt 15 — 23 CAR § 15-108(b)(2)(B)(ii), p. 11

  3. 3An auto insurer makes one of four premium decisions. Which decision triggers an FCRA adverse-action notice because of a consumer report?

    1. A. It increases the premium partly because of a consumer report and partly because of driving history.
    2. B. It increases the premium solely because of a loss found in its own prior claims records.
    3. C. It increases the premium solely because of defects found during its own vehicle inspection.
    4. D. It increases the premium solely because of a new coverage limit requested by the applicant.

    Answer: A

    Explanation: The FTC says notice is required when an adverse insurance decision is based "partly or completely on information in a consumer report". A report contributes to A even though driving history also matters. The other decisions rely on information or choices outside a consumer report as stated.

    Reference: Federal Trade Commission, Consumer Reports: What Insurers Need to Know — Adverse Action Notice section

  4. 4A homeowner wants to transfer uncertain financial loss from a house fire through a risk pool. Which risk-handling method accomplishes that?

    1. A. Retain the entire loss in a household reserve
    2. B. Avoid all use of the property exposed to fire
    3. C. Reduce the fire probability through prevention
    4. D. Purchase property insurance transferring the risk to an insurer

    Answer: D

    Explanation: The NAIC defines insurance as "transferring risk from an individual to a company" while reducing uncertainty through pooling. Reserves retain risk, avoiding exposure avoids it, and prevention reduces its probability.

    Reference: National Association of Insurance Commissioners, Glossary of Insurance Terms — Glossary, Insurance

  5. 5A lender considers insuring a house on which it holds an unpaid mortgage. Which relationship gives the lender an insurable interest in that house?

    1. A. Its right to collect the unpaid loan secured by the house.
    2. B. Its role in recommending insurance producers to borrowers.
    3. C. Its access to the house's local hazard-map information.
    4. D. Its practice of reviewing policies before each loan closing.

    Answer: A

    Explanation: The NAIC describes an insurable interest as a "right or relationship" under which an insured "can suffer a financial loss" if the property is damaged. The mortgage debt is exposed to loss of the collateral; advisory, information, and review roles alone do not establish that financial relationship.

    Reference: National Association of Insurance Commissioners, Glossary of Insurance Terms — Glossary, Insurable Interest

  6. 6A landlord wants to insure the structure of a single-family house rented to tenants. Which policy type is designed to cover that nonowner-occupied residence?

    1. A. Tenants Form
    2. B. Dwelling Property Policy
    3. C. Condominium Unit Owners Form
    4. D. Personal Umbrella Policy

    Answer: B

    Explanation: The NAIC says "Dwelling policies may be used to cover owner and nonowner-occupied residences". A rented house is nonowner occupied, so a dwelling policy can cover its structure. Tenants and unit-owners forms insure different applicants, and an umbrella policy is a liability layer.

    Reference: National Association of Insurance Commissioners, Sharing Economy and Insurance: Home Sharing — Dwelling Policy Coverage Options and Limitations, p. 6

  7. 7A homeowner wants a form that covers property loss from perils unless the form specifically excludes them. Which homeowners form has that peril structure?

    1. A. Basic Form
    2. B. Broad Form
    3. C. Special Form
    4. D. Modified Coverage Form

    Answer: C

    Explanation: The NAIC says the Special Form "insures your property against all perils," except those specifically excluded. Basic and Broad forms use listed perils, and the Modified Coverage Form serves older homes; only the Special Form supplies the requested open-peril structure.

    Reference: National Association of Insurance Commissioners, A Consumer's Guide to Home Insurance — Homeowners policy forms, Special Form, p. 8

  8. 8An insured driver negligently strikes a neighbor's fence while parking. Which personal-auto coverage is designed for the neighbor's property damage claim?

    1. A. Property Damage Liability
    2. B. Collision
    3. C. Comprehensive
    4. D. Bodily Injury Liability

    Answer: A

    Explanation: The NAIC explains, "Property damage liability insurance pays for any damage you cause" to others’ property, including fences. Collision and comprehensive address the insured vehicle, while bodily injury liability addresses injury to people rather than this property claim.

    Reference: National Association of Insurance Commissioners, Auto Insurance — Coverage types, Property damage liability insurance

  9. 9A homeowner wants personal liability protection above the limit of an existing homeowners liability policy. Which type of policy provides that additional layer?

    1. A. Personal Umbrella or Excess Liability
    2. B. Personal Liability Supplement
    3. C. Homeowners Personal Liability
    4. D. Personal Injury Endorsement

    Answer: A

    Explanation: The NAIC defines Excess and Umbrella Liability as "liability coverage of an insured above a specific amount set forth in a basic policy". A supplemental dwelling liability coverage, the base homeowners liability limit, and a personal injury endorsement do not by themselves supply the requested excess layer.

    Reference: National Association of Insurance Commissioners, Glossary of Insurance Terms — Glossary, Excess and Umbrella Liability

  10. 10What is the Arkansas Insurance Department's stated primary mission?

    1. A. Consumer protection through solvency and market-conduct regulation and fraud deterrence
    2. B. Maximizing state premium-tax revenue through rate increases
    3. C. Operating a state-owned insurer for every personal risk
    4. D. Selecting private insurers' officers and directors

    Answer: A

    Explanation: The department's mission is consumer protection. The rule identifies "consumer protection through insurer solvency and market conduct regulation, and fraud prosecution and deterrence."

    Reference: 23 CARpt 43 — 23 CAR § 43-102(b), p. 2

Topics in this practice bank

These topics describe the available practice for Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination. Review the examination outline and its sources for scope and allocation details.

  • STATE STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307)
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Appointment
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > General duties and powers
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Examination of records
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Hearings/notice of hearings
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Penalties
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105)
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Authorized and unauthorized companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Domestic, foreign, and alien companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Stock and mutual companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Certificate of authority
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Insurance transaction
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209)
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Producer
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Adjuster
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Consultant
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Resident/nonresident
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Temporary license
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Producer appointment/termination of contract
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Exemptions/exceptions
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Continuing education
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Change of Contact Information
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Administrative fees
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Renewal, suspension, or revocation of license
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101)
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Fiduciary capacity
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Commissions
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Fraud reporting
    • Property and Casualty Insurance Guaranty Association (Ref: 23-90-102-104, 106, 111, 112)
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9)
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair claims practices
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Rebating
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Misrepresentation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > False advertising
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Defamation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > False financial statements
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Boycott, coercion, intimidation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Unfair discrimination
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Twisting
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO PERSONAL LINES INSURANCE ONLY
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122)
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Adjusting
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Property insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Casualty insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Marine insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Valued Policy Law
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Comparative Fault
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Nonrenewal
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306)
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306) > Definitions
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306) > Coverage/provisions
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210)
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210) > Provisions
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210) > Cancellation/renewal/nonrenewal
    • Farmowners
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104)
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Required coverage/liability limits
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Financial responsibility/proof of insurance
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Uninsured/underinsured motorist
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Cancellation/nonrenewal
    • Arkansas Automobile Insurance Plan (Ref: 23-89-307; Title 27-19-106)
    • Arkansas Automobile Insurance Plan (Ref: 23-89-307; Title 27-19-106) > Personal
    • Earthquake and Deductible
    • Earthquake and Deductible > Notice and declination (Ref: 23-102-114)
  • Federal Laws and Regulations
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions > Express
    • Authority and Powers of Producers - Definitions > Implied
    • Authority and Powers of Producers - Definitions > Apparent
    • Authority and Powers of Producers - Definitions > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics
    • Insurable Interest
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards > Moral
    • Types of Hazards > Morale
    • Types of Hazards > Physical
    • Types of Perils
    • Types of Perils > Named
    • Types of Perils > Open
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss Valuation
    • Loss Valuation > Actual Cash Value
    • Loss Valuation > Replacement Cost
    • Loss Valuation > Market Value
    • Loss Valuation > Agreed Value
    • Loss Valuation > Valued Policy
    • Loss Valuation > Functional Replacement Cost
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Additional/Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Clauses
    • Policy Clauses > Insureds
    • Policy Clauses > Policy Period
    • Policy Clauses > Policy Period > Policy Territory
    • Policy Clauses > Policy Period > Cancellation and Non-Renewal
    • Policy Clauses > Policy Period > Deductibles
    • Policy Clauses > Policy Period > Other Insurance
    • Policy Clauses > Policy Period > Other Insurance > Nonconcurrency
    • Policy Clauses > Policy Period > Other Insurance > Primary and Excess
    • Policy Clauses > Policy Period > Other Insurance > Pro Rata
    • Policy Clauses > Policy Period > Other Insurance > Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split limits
    • Limits of Liability > Combined Single Limit
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Standard Mortgage Clause
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
  • Dwelling Policy Concepts
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Property Coverages
    • Property Coverages > Coverage A - Dwelling
    • Property Coverages > Coverage B - Other Structures
    • Property Coverages > Coverage C - Personal Property
    • Property Coverages > Coverage D - Fair Rental Value
    • Property Coverages > Coverage E - Additional Living Expenses
    • Property Coverages > Other Coverages
    • Personal Liability Supplement
    • Personal Liability Supplement > Coverage L - Personal Liability
    • Personal Liability Supplement > Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages > Coverage A - Dwelling
    • Section I - Property Coverages > Coverage B - Other Structures
    • Section I - Property Coverages > Coverage C - Personal Property
    • Section I - Property Coverages > Coverage D - Loss of Use
    • Section I - Property Coverages > Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages > Coverage E - Personal Liability
    • Section II - Liability Coverages > Coverage F - Medical Payments to Others
    • Section II - Liability Coverages > Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Section I - Property Covered Exclusions
    • Homeowners Policy Exclusions > Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits
    • Homeowners Policy Endorsements > Earthquake
    • Homeowners Policy Endorsements > Home Day Care
    • Homeowners Policy Endorsements > Personal Injury
    • Homeowners Policy Endorsements > Personal Property Replacement Cost
    • Homeowners Policy Endorsements > Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Liability Coverage > Bodily Injury and Property Damage
    • Liability Coverage > Supplementary Payments
    • Liability Coverage > Exclusions
    • Liability Coverage > Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage > Definitions
    • Uninsured and Underinsured Motorists Coverage > Bodily Injury
    • Uninsured and Underinsured Motorists Coverage > UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile > Collision
    • Coverage for Damage to your Automobile > Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile > Deductibles
    • Coverage for Damage to your Automobile > Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements > Towing and Labor Costs
    • Endorsements > Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements > Joint Ownership Coverage
    • Endorsements > Rental Vehicle Coverage
  • Other Types of Personal Insurance
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) > Deductible
    • Flood Insurance
    • Watercraft

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