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Washington Property Practice Exam

20 exam-style questions drawn from the same bank as our full Washington Property course (Washington Insurance Producer - Property - 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. Under the Gramm-Leach-Bliley Act (GLBA), a carrier must do which of the following with respect to non-public personal information collected from applicants?
Obtain affirmative written opt-in consent for every internal use of data, under the strict-opt-in framework that displaces the standard GLBA opt-out structure for insurance carriersProvide a privacy notice and offer an opt-out before sharing non-public personal info with non-affiliated third parties (with certain exceptions)Destroy all customer data within 90 days of policy issuance, under the data-minimization rule that displaces ordinary recordkeeping obligations the carrier maintainsPublish a list of all customers in the carrier's annual report, under the disclosure-of-clientele rule that GLBA imposes on every regulated financial institution and insurer
2. A standard homeowners form limits theft of firearms to
$2,500$1,500$500$5,000
3. Under a homeowners policy, which coverage provides personal liability protection?
Coverage FCoverage ECoverage DCoverage A
4. Under comparative negligence, a plaintiff who is found 30% at fault for their own injury:
Recovers damages reduced by their percentage of fault (e.g., 70% of damages)Recovers nothing, because any share of fault on the plaintiff's part bars recovery entirelyRecovers the full amount of damages from the defendant despite the plaintiff's own 30% shareRecovers double damages as a statutory penalty against the defendant for the plaintiff's injury
5. The difference between a representation and a warranty is that:
Representations apply only to property coverage forms while warranties apply only to liability coverage forms, a line split that has no basis in insurance lawA warranty must be literally and strictly true (it is part of the contract); a representation must merely be substantially trueThere is no meaningful legal or practical difference under any standard ISO contract or any state insurance code provision governing P&C policies in forceA representation must be literally true to the last detail while a warranty must merely be substantially true, which inverts the actual legal standard
6. A printing company sends $40,000 of inventory to a trade-show booth 600 miles from the insured premises. While the booth is unattended overnight, vandals destroy the inventory. The insured's Commercial Property policy describes premises only and does not list any off-premises locations. The policy contains the standard Property Off-Premises additional coverage. What is the most that can be recovered?
Nothing, property at a trade show is not 'at the described premises'The full $40,000, because the inventory remains the insured's propertyUp to 25% of Business Personal Property limit, no separate sublimitUp to $10,000 under the Property Off-Premises extension, subject to the deductible
7. Section II of a homeowners policy provides coverage for:
Personal property and loss of useAdditional living expense and fair rental valueDwelling and other structuresPersonal liability and medical payments to others
8. The HO-5 covers
Named perils on contents onlyOpen perils on the dwelling onlyNamed perils on dwelling and contentsOpen perils on dwelling and contents
9. The NFIP General Property Form is used for:
Renters who need contents-only coverage for an apartmentNon-residential buildings, including most commercial structuresCondominium association master policies on whole buildingsSingle-family owner-occupied homes of one to four units
10. On a dwelling policy, which coverage applies to personal property?
Coverage BCoverage CCoverage ACoverage E
11. Under a homeowners policy, which coverage pays additional living expense while a damaged home is repaired?
Coverage DCoverage CCoverage FCoverage B
12. A manufacturer has annual sales of $5M, cost of goods sold of $3M, net income of $500,000 and continuing normal operating expenses of $1.5M. A fire causes a 4-month shutdown, and earnings would have accrued evenly through the year. The policy pays net income plus continuing normal operating expenses. What approximate amount is recoverable (ignoring coinsurance and deductible)?
$167,000, net income alone prorated for 4 months, ignoring continuing expenses$667,000, 4-month share of (net income + continuing expenses)$1,667,000, 4-month share of annual sales$2,000,000, the full annual net income plus continuing expenses with no proration to 4 months
13. How does the timing of insurable interest differ between life insurance and property insurance?
Both life and property require insurable interest at inception and again at the time of lossProperty requires interest only at policy inception; life requires interest at the time of deathNeither line requires insurable interest once the policy has been issued and premium acceptedLife requires interest only at policy inception; property requires interest at the time of loss
14. Which list of post-loss duties is typically required of the insured under a property policy?
Prompt notice, protect property from further damage, prepare inventory, submit proof of loss, cooperate/EUONotify the lienholder, pay the deductible upfront, and refuse to discuss the claim with anyoneRepair the property within 30 days, then submit receipts onlySubrogate against the wrongdoer before contacting the carrier
15. Which homeowners form is designed for a unit owner in a condominium?
HO-6HO-3HO-4HO-8
16. A homeowner's tree falls on her neighbor's car during a windstorm. The neighbor's auto comprehensive carrier pays for repairs and then attempts to subrogate against the homeowner's HO policy. The homeowner had no notice the tree was diseased. The most likely outcome of the subrogation effort:
Subrogation fails because the homeowner is not legally liable absent negligence, fallen trees from natural causes are typically the property owner's own carrier's loss.The homeowner is strictly liable for any damage caused by trees on her property under the abnormally-dangerous-activity rule that historically governed wild-animal and explosives cases.The HO policy must pay because property damage caused by an insured's tree is always covered under HO liability, applying the absolute-liability standard used for inherently dangerous activities.The auto carrier collects from the HO policy automatically because subrogation is a contractual right that creates a direct cause of action against any third party regardless of underlying fault.
17. NFIP contents losses are settled at
Market valueAgreed valueReplacement costActual cash value
18. An insured testifies that during the application interview, the producer orally promised that 'mold damage will be covered no matter what.' The written policy unambiguously excludes mold damage and contains a standard entire-contract clause stating the written policy is the complete agreement. The insured tries to introduce the producer's oral promise to expand coverage. The court will most likely:
Admit the testimony only if the producer denies it under the witness-impeachment doctrine that opens prior oral statements once a witness contradicts the insured's recollection at trialRefer the matter to the state DOI without ruling under the primary-jurisdiction doctrine that compels courts to defer policy-interpretation disputes to the administrative regulator before issuing any rulingAdmit the testimony, oral promises by producers always control under the agent-authority rule that imputes every spoken statement to the insurer regardless of the policy's integration languageExclude the testimony under the parol evidence rule, an integrated written contract cannot be varied by prior or contemporaneous oral statements
19. An insured carries an HO-3 with $200,000 of Coverage A. What is the default Coverage C limit?
$20,000$60,000$100,000$160,000
20. Which dwelling form provides the fewest named perils and pays on an actual cash value basis?
DP-1DP-2HO-2DP-3

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