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Section 1Property Coverage FoundationsPreview
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Summary
Texas property coverage questions usually ask what type of loss the policy is designed to handle. Dwelling coverage applies to the house, other structures coverage applies to detached property such as fences or garages, personal property coverage applies to contents, and loss of use pays additional living expenses when a covered loss makes the home unfit to live in.
Key Points
Texas property coverage questions usually ask what type of loss the policy is designed to handle. Dwelling coverage applies to the house, other structures coverage applies to detached property such as fences or garages, personal property coverage applies to contents, and loss of use pays additional living expenses when a covered loss makes the home unfit to live in.
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Section 2FundamentalsPreview
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Summary
Fundamental property insurance questions often turn on whether the loss is caused by a covered peril, subject to an exclusion, or limited by a deductible. A peril is the cause of loss, such as fire or theft; a hazard is a condition that increases the chance or severity of loss.
Key Points
Fundamental property insurance questions often turn on whether the loss is caused by a covered peril, subject to an exclusion, or limited by a deductible. A peril is the cause of loss, such as fire or theft; a hazard is a condition that increases the chance or severity of loss.
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Section 3Policy Provisions, Claims, and LiabilityPreview
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Summary
Policy provision questions test where coverage begins and where it stops. The insuring agreement states the insurer's promise, exclusions remove certain losses, and endorsements change the original policy. If the scenario says the loss falls under a specific exclusion, the correct result is usually no coverage unless an endorsement gives it back.
Key Points
Policy provision questions test where coverage begins and where it stops. The insuring agreement states the insurer's promise, exclusions remove certain losses, and endorsements change the original policy. If the scenario says the loss falls under a specific exclusion, the correct result is usually no coverage unless an endorsement gives it back.
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Section 4Policy & RiskPreview
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Summary
Business liability questions usually ask whether the claim involves injury or damage to a third party, damage to the insured's own property, or lost income after covered property damage. CGL coverage is for third-party bodily injury, property damage, and certain personal and advertising injury claims; it is not the same as property insurance.
Key Points
Business liability questions usually ask whether the claim involves injury or damage to a third party, damage to the insured's own property, or lost income after covered property damage. CGL coverage is for third-party bodily injury, property damage, and certain personal and advertising injury claims; it is not the same as property insurance.
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Section 5Auto and Workers CompensationPreview
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Summary
Texas auto liability questions often use split limits. The familiar 30/60/25 pattern means bodily injury per person, bodily injury per accident, and property damage per accident. If the question asks who pays for repairing the other driver's car, that is property damage liability, not collision coverage.
Key Points
Texas auto liability questions often use split limits. The familiar 30/60/25 pattern means bodily injury per person, bodily injury per accident, and property damage per accident. If the question asks who pays for repairing the other driver's car, that is property damage liability, not collision coverage.
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Section 6ClaimsPreview
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Summary
Claims questions around workers' compensation should start with the Texas rule: most private employers may choose whether to carry workers' compensation, but employers that do carry it receive protection from most employee injury lawsuits. Public projects and contracts may require coverage even when private employers generally have a choice.
Key Points
Claims questions around workers' compensation should start with the Texas rule: most private employers may choose whether to carry workers' compensation, but employers that do carry it receive protection from most employee injury lawsuits. Public projects and contracts may require coverage even when private employers generally have a choice.
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Section 7Certificates, Damages, and CancellationPreview
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Summary
A certificate of insurance is proof that a policy exists, not a mini-policy. It does not create coverage, change limits, add an additional insured, or guarantee future notice unless the actual policy or endorsement gives those rights.
Key Points
A certificate of insurance is proof that a policy exists, not a mini-policy. It does not create coverage, change limits, add an additional insured, or guarantee future notice unless the actual policy or endorsement gives those rights.
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Section 8OperationsPreview
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Summary
Nonrenewal and cancellation are different. Nonrenewal means the insurer will not continue the policy after the current term ends; cancellation ends coverage before the policy period expires. Texas exam questions usually ask for the required notice timing or the reason the insurer may act.
Key Points
Nonrenewal and cancellation are different. Nonrenewal means the insurer will not continue the policy after the current term ends; cancellation ends coverage before the policy period expires. Texas exam questions usually ask for the required notice timing or the reason the insurer may act.
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Section 9Texas Licensing and Department RulesPreview
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Summary
Texas property and casualty licensing questions center on who may act as a producer and what authority TDI has over insurance activity. A person or agency must hold the appropriate general lines property and casualty license before selling, soliciting, or negotiating covered products.
Key Points
Texas property and casualty licensing questions center on who may act as a producer and what authority TDI has over insurance activity. A person or agency must hold the appropriate general lines property and casualty license before selling, soliciting, or negotiating covered products.
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Section 10State RulesPreview
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Summary
State rule questions distinguish admitted insurers from surplus lines insurers. An admitted insurer is authorized in Texas and directly regulated as an admitted market; surplus lines coverage is used when the admitted market cannot place the risk and the transaction follows surplus lines rules.
Key Points
State rule questions distinguish admitted insurers from surplus lines insurers. An admitted insurer is authorized in Texas and directly regulated as an admitted market; surplus lines coverage is used when the admitted market cannot place the risk and the transaction follows surplus lines rules.
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Section 11Prohibited Acts and State-Specific RulesPreview
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Summary
Texas prohibited act questions usually describe what the producer or insurer said or did. Misrepresentation means giving false or misleading information about coverage; false advertising means using misleading public statements; defamation means making false statements that harm another insurer's reputation.
Key Points
Texas prohibited act questions usually describe what the producer or insurer said or did. Misrepresentation means giving false or misleading information about coverage; false advertising means using misleading public statements; defamation means making false statements that harm another insurer's reputation.
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Section 12CompliancePreview
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Summary
Surplus lines insurance is used when a Texas risk cannot be placed with admitted insurers. The exam tests that surplus lines is regulated coverage through eligible nonadmitted insurers, not an informal workaround for difficult risks.
Key Points
Surplus lines insurance is used when a Texas risk cannot be placed with admitted insurers. The exam tests that surplus lines is regulated coverage through eligible nonadmitted insurers, not an informal workaround for difficult risks.
Common Mistakes
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