Property and Casualty Policy Provisions Practice Questions
Section III, VI of the general-knowledge outline · Texas General Lines Property and Casualty: 25 scored questions
Ten questions on policy provisions and contract law, untimed, with a worked answer after each one.
Or take the full Property and Casualty mock examRafael sells his house and wants to transfer his homeowners policy to the buyer. Under the standard homeowners assignment condition, the transfer is:
Policy provisions and contract law on the exam
Outline sections III and VI are 25 of the 100 general-knowledge questions: how a property or casualty policy is built and what each part does when a claim comes in.
- Outline
- Section III, VI: Declarations, insuring agreement, conditions and exclusions, who is insured, duties after loss, mortgagee rights, appraisal, other insurance, subrogation, cancellation and contract law
- Share of the exam
- Property and Casualty general knowledge: 25 of 100 scored questionsTexas General Lines Property and Casualty: 25 of 130 scored questions
- Our drill
- 10 questions from 80 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- A policy has four main parts: the declarations (who, what, where, limits and premium), the insuring agreement (the insurer’s promise), the conditions (the rules both sides follow) and the exclusions (what is not covered). Endorsements change the policy.
- After a property loss the insured must give prompt notice, protect the property from further damage, prepare an inventory and submit a signed proof of loss when asked.
- The mortgagee clause protects the lender: it is paid as its interest appears and keeps its rights even if the owner’s own act voids the coverage, provided the mortgagee meets its own duties.
- Appraisal settles disagreements over the amount of a loss: each side picks an appraiser, the two choose an umpire, and an award agreed by any two is binding. It does not decide whether the loss is covered.
- Other insurance clauses split a loss among policies: pro rata by each policy’s share of the total limits, by equal shares, or as primary and excess.
- Subrogation lets the insurer, after paying, recover from the party that caused the loss; the insured may not waive that right after a loss. The Terrorism Risk Insurance Act provides a federal backstop for certified acts of terrorism.
Test yourself on policy provisions and contract law
Ten questions on policy provisions and contract law, untimed, with a worked answer after each one.
Or take the full Property and Casualty mock examCommon questions
How many policy provisions and contract law questions are on the exam?
Sections III and VI are 25 of the 100 scored general-knowledge questions on the Texas General Lines Property and Casualty exam (13 and 12).
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.