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Kansas Personal Lines Practice Exam

20 exam-style questions drawn from the same bank as our full Kansas Personal Lines course (Kansas Insurance Agent — Personal Lines — Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. Which of the following losses would be covered under a DP-3 but NOT under a DP-1 with extended coverage and V&MM?
A wind-driven tree falling on the roof during a covered windstorm eventA hailstorm shattering windows that are listed under the EC perilA grease fire in the kitchen that ignites cabinetry and structural framingAn accidental collapse of a load-bearing wall from a hidden defect
2. An insured carrying only liability (no comp, no collision, no towing endorsement) calls roadside assistance to jump-start her car at a parking lot. Her PAP will:
Pay only when the dead battery is determined to be the result of an electrical short circuit rather than user error like leaving the lights onPay because roadside-assistance coverage is a built-in part of every PAP form regardless of which additional Part D coverages were selectedPay only the on-site labor portion of the call as a courtesy claim under the supplementary-payments provision of the liability sectionNot pay, towing and labor is an endorsement that must be specifically added; it does not come with liability-only policies
3. After a kitchen fire an insured submits a sworn proof of loss inventory listing a 75-inch television, a leather sectional, and a designer espresso machine. The adjuster suspects the inventory is inflated and requests an Examination Under Oath. The insured refuses, citing 'invasion of privacy.' Under standard HO conditions, the insurer may:
Deny the claim in full for failure to comply with a condition precedent to coverageRefer the matter to the state DOI's market-conduct division for binding arbitration under the unfair-claim-practices actPay the undisputed portion only and reserve the contested items for declaratory-judgment litigation against the insuredCancel the policy mid-term but pay the current claim under the standard 'unilateral cancellation' provision found in HO forms
4. A storm drops hail on an insured's home, breaking 14 windows, denting the roof, and damaging two cars in the driveway. For purposes of the homeowners policy deductible, this is generally treated as:
One occurrence per coverage (A, B, C separately)One occurrence per damaged itemThree separate occurrencesOne occurrence, a single deductible applies
5. Which of the following is a typical duty of the insured after a property loss?
Continue normal use of the property and resume occupancy without any precautionary measuresWait for the adjuster before contacting any contractor or beginning even temporary mitigation stepsPromptly notify the insurer and protect the property from further damageNegotiate directly with the cause of loss to obtain compensation before notifying the carrier of record
6. A representation differs from a warranty on a casualty policy primarily because:
They are identical concepts under the modern NAIC model act that has consolidated the doctrinal distinctionRepresentations are always written; warranties are always oral under the parol-evidence rule applied to insuranceWarranties only appear in property policies and have no application to liability or casualty policy provisionsRepresentations need only be substantially true and material; warranties guarantee strict accuracy
7. An insured loses $3,200 in cash during a covered burglary. Coverage C is $150,000 and no endorsements apply. How much does the policy pay?
$3,200, Coverage C pays the full cash loss without applying any sublimit$2,500, the firearms-and-related-equipment theft sublimit applies to cash$200, the special sublimit on money, bank notes, and bullion$1,000, the securities, manuscripts, and stamps sublimit caps the loss
8. An HO-3 dwelling is destroyed by fire. Coverage A is $300,000, the mortgagee's balance is $185,000, and the insured did NOT pay her last quarterly premium, the insurer issued a notice of cancellation for nonpayment that took effect three days before the fire. The mortgagee was listed on the declarations and was sent the cancellation notice. The insurer's payment obligation is:
Zero, the nonpayment cancellation extinguished coverage to the insured AND simultaneously voided the mortgagee's independent contract$185,000 to the mortgagee under the standard mortgage clause, even though the insured has no claim$185,000 to the insured for the mortgage payoff and $115,000 to the mortgagee under the open-mortgage 'pro-rata payee' rule$300,000 to the insured because the policy was bound at issuance and the standard-mortgage-clause notice cured the lapse retroactively
9. Which dwelling form is the broadest in coverage and the only one to provide open-peril coverage on the dwelling?
DP-2DP-1DP-3All three are the same
10. An insured carries 100/300/50 liability and is involved in an accident causing $250,000 BI to one person and $40,000 PD. The insurer pays:
Nothing, limits are exceeded under the policy-aggregate forfeiture rule that voids coverage when claims exceed limits$250,000 BI and $40,000 PD under the broadened per-person limit available on the standard PAP policy filing$300,000 BI and $40,000 PD under the per-accident BI aggregate that applies even when only one party was injured$100,000 BI and $40,000 PD; the insured may owe the remaining $150,000 BI personally
11. Stacking of UM/UIM coverage means:
Filing the same claim with multiple insurers under the concurrent coverage notification provisionAdding optional coverages such as gap insurance, rental reimbursement, and roadside assistanceCombining limits across multiple vehicles or policies for a single lossCarrying both UM and PIP on the same auto under the parallel first-party benefit selection rule
12. Under a typical PAP med pay coverage, which person is LEAST likely to be considered an 'insured' eligible for med pay benefits?
The named insured personally injured as a pedestrian struck by a car while crossing a public street near the residence premisesA guest passenger in the covered auto injured during a single-vehicle wreck while the named insured was operating the vehicleThe named insured's adult son who lives in his own apartment and is injured while driving his own car, which is insured under a separate PAPThe named insured's resident spouse injured while occupying a friend's non-owned auto on a weekend out-of-town shopping trip
13. An insured has three vehicles on one PAP, each with $50,000 UIM limits. He is seriously injured by a UIM driver whose liability limits exhausted at $25,000. He believes he should be able to 'stack' the three UIM limits for a total of $150,000. In a state that prohibits intra-policy stacking, what is the most likely outcome?
He recovers up to $50,000 in UIM, the single per-person limit applicable to one vehicleHe recovers up to $150,000, UIM stacks automatically across vehicles on the same policyHe recovers nothing, UIM only pays when the at-fault driver has zero liability coverageHe recovers $25,000, UIM offsets dollar-for-dollar against the tortfeasor's limits
14. The insured's child accidentally throws a baseball through a neighbor's window, causing $800 in damage. The neighbor demands payment. Coverage E provides 'Damage to Property of Others' as an additional coverage:
Up to $5,000 actual cash value with no requirement of legal liability and no proof of negligence on the part of the insuredOnly for damage to property physically located on the insured's residence premises at the time of the loss-causing incidentUp to $1,000 per occurrence on a no-fault basis, the $800 is paid even without a negligence findingOnly when the insured is formally sued by the neighbor and a judgment of negligence is entered against the insured
15. The local volunteer fire department charges a $750 service fee after responding to the insured's house fire. The HO-3 additional coverage for Fire Department Service Charge pays:
$750 in full, no cap on the service-fee charge appliesACV of the responding apparatus used at the residence premisesNothing, fire-department service fees are categorically excluded$500 with no deductible, the additional-coverage cap on the fee
16. A driver insured under PAP A causes an accident while driving a friend's car (with permission) that is also insured. Whose policy responds first for liability?
The owner's PAP, the policy on the auto being driven is generally primaryThe driver's PAP under the operator-follows-the-driver rule applicable to non-owned auto claimsBoth pro rata under the dual-policy concurrent-coverage rule that splits losses between covering carriersNeither, the driver pays personally under the permissive-use exclusion in the ISO PAP for non-owned autos
17. Notice of claim or notice of loss must typically be given:
Promptly, as soon as practicable after the loss is knownOnly after a third party files suit against the insuredWithin one year of the loss, the same as the suit deadlineOnly at renewal, when the insurer asks about prior losses
18. A dwelling fire policy is most appropriate for which of the following insureds?
A renter in an apartmentAn owner-occupant of a single-family home who qualifies for an HO policyA condominium unit ownerA landlord renting out a single-family home to tenants
19. Under the PAP Part C, Uninsured Motorists Coverage, a 'phantom vehicle' (hit-and-run with no physical contact) is:
Always covered under the broad uniform UM phantom-vehicle rule applied across all PAP filingsAlways excluded under the strict physical-contact requirement that applies uniformly to hit-and-run claimsSometimes covered, depending on state law and corroborating evidenceCovered only if the insured pays an extra premium for the phantom-vehicle endorsement on the PAP
20. Under the Gramm-Leach-Bliley Act (GLBA), insurers must:
Cancel any policy when a credit score declines below a stated threshold, under the credit-based underwriting trigger that GLBA imposes on personal-lines property and casualty insurers as of policy renewalFile ratings publicly under the GLBA rate-transparency provision that requires public disclosure of every credit-based underwriting factor used by insurers operating across the financial-services industryLimit underwriting to in-state risks only under the GLBA market-conduct geographic-scope rule that restricts non-bank financial institutions to their domestic state of domicile when issuing insuranceProvide a privacy notice describing information practices and offer an opt-out for sharing of nonpublic personal information with non-affiliates

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