Property Insurance Policies Practice Questions
Section I of the general-knowledge outline · Texas General Lines Property and Casualty: 22 scored questions
Ten questions on property policies, untimed, with a worked answer after each one.
Or take the full Property and Casualty mock examA tenant spends $40,000 of its own money installing paneling, lighting and a reception counter in leased office space. A fire damages these improvements. Which coverage applies to the tenant's interest?
Property policies on the exam
Outline section I is 22 of the 100 general-knowledge questions, the largest property section: which form covers which property against which perils.
- Outline
- Section I: Homeowners and dwelling forms, commercial property, business income, the BOP, builders risk, inland marine, flood, earthquake and other property coverages
- Share of the exam
- Property and Casualty general knowledge: 22 of 100 scored questionsTexas General Lines Property and Casualty: 22 of 130 scored questions
- Our drill
- 10 questions from 70 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- Homeowners forms: HO-2 broad named perils; HO-3 open perils on the dwelling with named perils on personal property; HO-4 renters’ contents; HO-5 open perils on both; HO-6 condominium unit owners; HO-8 older homes at actual cash value or functional replacement.
- Homeowners Section I covers the dwelling (A), other structures (B), personal property (C) and loss of use (D); Section II covers personal liability (E) and medical payments to others (F).
- Dwelling policies insure the building without the liability section: DP-1 basic named perils, DP-2 broad named perils, DP-3 special (open perils on the dwelling).
- Commercial property uses the building and personal property form with a causes-of-loss form: basic, broad or special. Business income pays lost net income and continuing expenses during restoration; extra expense pays the added cost of staying open.
- Flood is excluded from homeowners and commercial property forms and is written through the National Flood Insurance Program, which has a 30-day waiting period for new policies with limited exceptions. Earthquake is also excluded and needs an endorsement or separate policy.
- Inland marine covers property that moves or is hard to insure in place: personal articles floaters schedule jewelry, furs and fine art; commercial floaters cover contractors’ equipment and goods in transit.
Test yourself on property policies
Ten questions on property policies, untimed, with a worked answer after each one.
Or take the full Property and Casualty mock examCommon questions
How many property policies questions are on the exam?
Section I is 22 of the 100 scored general-knowledge questions on the Texas General Lines Property and Casualty exam. Our full mock draws the same number.
Are these real exam questions?
No. No state or testing vendor does not release exam questions. These are original practice questions written to the published content outline, with a worked explanation and the source behind every answer.
More property and casualty sections
Outline and facts checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · Texas Insurance Licensing Candidate Handbook.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.