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Wyoming Personal Lines Practice Exam

20 exam-style questions drawn from the same bank as our full Wyoming Personal Lines course (Wyoming Insurance Producer — 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. An insured carries Coverage A of $300,000 on her HO-3. A tornado destroys both the main dwelling AND a detached two-car garage on the property. The garage replacement cost is $42,000. The HO-3 form provides Coverage B as a percentage of Coverage A with no separate scheduling required. Assuming the standard unendorsed limit, what is the most the policy will pay for the garage?
$42,000, full replacement cost$60,000, 20% of Coverage A$30,000, 10% of Coverage A$15,000, 5% of Coverage A
2. An insured has an HO-3 with a $2,500 special limit on silverware. A theft destroys $4,000 of sterling silverware. Without endorsement, how much of the loss is paid?
$4,000 less the deductible$0Full Coverage C limit$2,500
3. An insured carries a 'Transportation Expenses' / rental reimbursement coverage of $30/day, $900 max, on his PAP. His car is stolen and is in the body shop for 40 days. The carrier will pay:
$1,200 because the daily limit applies but the aggregate $900 maximum is waived under the standard theft-loss extension to transportation expensesNothing, rental reimbursement applies only to collision claims under Part D and never to comprehensive theft losses on the covered auto policyThe full 40 days × $30/day = $1,200 because theft losses are excluded from the aggregate cap under the comprehensive-only rental expense ruleUp to $900 in total rental reimbursement, limited by the $30/day cap and the $900 aggregate maximum
4. An aggressive dog kept on the premises is a classic example of:
A peril triggering coverage under the standard ISO HO liability section regardless of underwriting factsA morale hazard arising from the insured's careless attitude toward training and confining the animalA physical hazard that may also lead to underwriting decline or specific dog-bite exclusionsAn exclusion only that removes the entire animal-liability section of the HO policy at issuance
5. An insured carries an HO-2 broad form. A skunk gets into the basement crawlspace and sprays, requiring $3,400 in odor remediation. The insured argues that 'damage by animals' should be covered because animals are not explicitly excluded. Why does the HO-2 NOT respond to this claim?
Because the insured failed to mitigate the loss within the standard 72-hour notice window required for wildlife-intrusion claims to remain payableBecause the loss occurred in the basement, which is excluded territory under the HO-2's below-grade restriction for wildlife-caused contamination lossesBecause animal damage is a Coverage C special sublimit rather than a Coverage A exclusion, capping the claim at the $250 wildlife-mischief amountBecause the HO-2 covers only the 16 named perils listed, 'damage by wild animals' is not among them, so the loss is not covered regardless of exclusions
6. An HO-3 insured's dwelling is damaged by a rare type of falling object not specifically listed in the named perils. The same event also damages personal property inside. How does the HO-3 respond?
Both dwelling and contents covered on a broad-form named-peril basis only, with no open-peril treatment under HO-3Dwelling (Coverage A) covered on an open-peril basis; personal property (Coverage C) covered only if the cause is one of the named perilsBoth dwelling and contents covered on an open-peril basis under the HO-3's comprehensive 'all-risk' coverage extensionNeither dwelling nor contents covered because the peril is not specifically named on the form's listed-peril schedule
7. The standard increment for personal umbrella limits is:
$10,000,000$1,000,000$100,000$10,000
8. Which loss-settlement basis applies to the principal residence under an NFIP Dwelling Form when the insured carries at least 80% of replacement cost?
Actual cash valueMarket valueReplacement costFunctional replacement cost
9. An insured's windshield is cracked by a rock thrown up by a passing truck. Her policy includes a 'full glass' option. The most likely outcome is:
The repair is denied because passing-truck damage requires a third-party claimThe glass repair is covered under collision with the deductible appliedFull glass coverage only applies to side windows, not windshieldsThe glass repair is covered under comprehensive with the deductible waived
10. An insured rents a car on vacation. Under most PAPs, the rental car is:
Excluded entirely under the non-owned auto exclusion that removes coverage for any vehicle not listed on the declarationsCovered as a 'non-owned auto' or 'temporary substitute' for liability and (subject to coverage) physical damageCovered only if the insured purchases the rental company's CDW because the PAP does not extend any coverage to rentalsCovered only for collision under the PAP Part D coverage extension restricted to upset and impact damage to the rental
11. An HO-3 has $250,000 Coverage A. The insured builds a $50,000 detached workshop and is concerned the default Coverage B is too low. Which is the most appropriate solution?
Buy a separate dwelling policy on the home itself to free up Coverage BDo nothing, Coverage B always pays the full cost of any one structureEndorse the policy to schedule increased Coverage B specifically on the workshopRely on Coverage A, the workshop will be treated as part of the dwelling
12. A homeowner carries 100/300/100 BI/PD on her PAP and $500,000 of Coverage F on her HO-3. She wants a $2,000,000 personal umbrella. The umbrella insurer requires minimum underlying limits of 250/500/100 on auto and $300,000 on HO liability. The insured's current limits:
Meet HO but not auto, she must raise PAP BI before the umbrella will be issuedAre irrelevant to the umbrella, true umbrellas drop down to ground zero and absorb the missing primary layerMeet auto but not HO, she must lower HO liability to align with the umbrella's underlying capMeet the umbrella's underlying-limits requirement on both the auto and HO schedules under the carrier's filed minimums
13. An insured who voluntarily admits fault and pays a third-party claimant before notifying the insurer:
May have breached the policy's cooperation/no-voluntary-payments condition, which can jeopardize coverage for that lossWill be reimbursed automatically by the carrier under the supplementary-payments extension that pays the insured back for any reasonable expenses incurred at the loss sceneOwes the insurer the amount paid under the post-loss disgorgement provision that requires the insured to repay any unauthorized third-party settlement made before insurer noticeHas fulfilled their duties properly under the prompt-mitigation provision of the casualty policy that requires the insured to take immediate steps to limit the loss
14. The Terrorism Risk Insurance Act (TRIA) primarily provides:
Federal flood coverage written through the same risk-pool program that administers the NFIP for property in mapped SFHA zonesA federal backstop that reimburses commercial-property insurers for a portion of certified terrorism lossesMandatory personal-lines terrorism coverage that must be included on every HO and PAP policy without an opt-out election by the insuredAn exclusion of all terrorism risk from the policy regardless of whether the loss arises from a certified act or an ordinary criminal act
15. An insured takes a two-week winter vacation and turns off the furnace to save energy. While away, temperatures drop below zero and pipes in the wall cavity freeze and burst, causing $22,000 in water damage. The HO-3 contains the standard frozen-pipes condition: coverage applies only if the insured maintained heat OR drained the system and shut off the water supply. How does the policy respond?
Covered, but only the failed pipe itself; resulting water damage to drywall and contents is excluded under the consequential-loss barCovered, freezing is a named Coverage C peril and the heat-maintenance condition is non-binding when the dwelling is fully occupied year-roundExcluded, the insured failed to maintain heat or drain the system, voiding the frozen-pipes coverage conditionCovered, but reduced by a flat 50% co-payment penalty applied under the unoccupied-residence-premises condition for any winter loss
16. A certificate of insurance is best described as:
An insurance contract by itself that creates an independent obligation between the insurer and the third party named on itA regulatory filing submitted with the state insurance department to evidence ongoing financial responsibility of the carrierEvidence of insurance in force on a stated date, typically issued to a third party such as a lender or landlordA binding modification of policy terms that amends the underlying policy and grants enforceable rights to the third party named
17. Which homeowners form is best suited for an older dwelling whose replacement cost greatly exceeds its market value?
HO-2HO-8HO-3HO-5
18. An insured deliberately sets fire to her own warehouse to collect insurance proceeds. This reflects which type of hazard?
Moral hazardPhysical hazardCatastrophic hazardMorale hazard
19. On an HO-3, jewelry, watches, and furs are subject to a special limit for theft. What is the standard ISO sub-limit?
$2,500$5,000$1,500$1,000
20. Personal umbrella policies typically EXCLUDE which of the following?
Personal liability for non-business activities at the residence premises and elsewhere worldwide for the insured familyCoverage for the named insured's family members residing in the household under the broader insured-family extensionLiability arising from business pursuits, professional services, intentional acts, and certain other named itemsCoverage above primary auto liability for bodily injury and property damage caused by an at-fault insured driver

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