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Texas Property and Casualty Insurance License

Texas Property & Casualty Insurance Practice Test

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Questions updated at Jul 10, 2026, 12:01 AM CDT

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Texas Property & Casualty Insurance

Texas Property and Casualty Insurance License

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Today's 10 Texas Property & Casualty Insurance questions

Use this Texas Property & Casualty Insurance practice test to review Texas Property and Casualty Insurance License. Questions rotate daily and each answer links back to the source used to write it.

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Question 1 of 10
Objective 1.1 Property and Casualty General Knowledge

A homeowner is seeking a policy that provides broad coverage for their dwelling and personal property. Which ISO form best meets this requirement?

Concept tested: Property and Casualty General Knowledge (1.1)
Source:TDI Commissioner Order 2024-9152
Question 2 of 10
Objective 3.1 Property and Casualty General Knowledge

Which policy provision modifies the original insurance policy's terms?

Concept tested: Property and Casualty General Knowledge (3.1)
Question 3 of 10
Objective 2.1 Property and Casualty General Knowledge

A hailstorm damages the roof and exterior walls of an insured home. Which coverage directly addresses damage to the structure of the house?

Concept tested: Property and Casualty General Knowledge (2.1)
Question 4 of 10
Objective 1.1 Property and Casualty General Knowledge

A Texas homeowner asks whether a standard homeowners or renters policy normally provides the same protection as flood insurance. What should the producer explain?

Concept tested: Property and Casualty General Knowledge (1.1)
Question 5 of 10
Objective 2.1 Property and Casualty General Knowledge

A policyholder becomes less careful after purchasing property insurance because they expect the insurer to cover losses. This situation illustrates the moral hazard concern. Which description best represents this issue?

Concept tested: Property and Casualty General Knowledge (2.1)
Question 6 of 10
Objective 1.1 Property and Casualty General Knowledge

An applicant wants the most comprehensive homeowner's insurance coverage. Which ISO form is most appropriate?

Concept tested: Property and Casualty General Knowledge (1.1)
Question 7 of 10
Objective 1.1 Property and Casualty General Knowledge

A homeowner’s property sustains significant damage from rising floodwaters. Which type of insurance would cover this loss?

Concept tested: Property and Casualty General Knowledge (1.1)
Question 8 of 10
Objective 1.1 Property and Casualty General Knowledge

A coastal property owner cannot obtain wind and hail insurance from the voluntary private market. What is the purpose of the Texas windstorm insurance mechanism in that situation?

Concept tested: Property and Casualty General Knowledge (1.1)
Question 9 of 10
Objective 2.1 Property and Casualty General Knowledge

An overloaded electrical panel, particularly when dry, increases the risk of a building fire. Which term describes this situation?

Concept tested: Property and Casualty General Knowledge (2.1)
Question 10 of 10
Objective 2.1 Property and Casualty General Knowledge

An insured’s property is damaged by a covered event. The insurance policy states the insurer will pay based on the property’s value after depreciation. Which coverage type applies?

Concept tested: Property and Casualty General Knowledge (2.1)
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Official exam resources

Use these official Insurance resources alongside the daily practice set. They cover the provider's own exam page, study guide, or prep material.

Source Texas Department of Insurance Agent and Adjuster Licensing

Need adjacent Insurance practice pages too? Insurance practice hub.

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Question 1 A homeowner is seeking a policy that provides broad coverage for their dwelling and personal property. Which ISO form best meets this requirement?

Answer choices

  1. A. HO 00 06 Homeowners 6 Unit-Owners Form
  2. B. HO 00 03 Homeowners 3 Special Form
  3. C. HO 00 08 Homeowners 8 Modified Coverage Form
  4. D. HO 00 05 Homeowners 5 Comprehensive Form

Correct answer

HO 00 03 Homeowners 3 Special Form

The Homeowners 3 Special Form offers all-risk coverage for the dwelling and named-peril coverage for personal property, providing a balanced approach for homeowners. This form directly addresses the scenario presented in the question.

Wrong-answer review

  • A. HO 00 06 Homeowners 6 Unit-Owners Form: HO 00 06 Homeowners 6 Unit-Owners Form covers condominium units, not standard homeowner coverage.
  • C. HO 00 08 Homeowners 8 Modified Coverage Form: HO 00 08 Homeowners 8 Modified Coverage includes additional endorsements that are not typically needed for standard homeowner’s coverage.
  • D. HO 00 05 Homeowners 5 Comprehensive Form: HO 00 05 Homeowners 5 Comprehensive Form offers broader coverage than standard homeowner’s policies, but is often more expensive.

Objective/domain: Property and Casualty General Knowledge (1.1)

Source: TDI Commissioner Order 2024-9152

Question 2 Which policy provision modifies the original insurance policy's terms?

Answer choices

  1. A. Binder
  2. B. Endorsement
  3. C. Deductible
  4. D. Coinsurance clause

Correct answer

Endorsement

Objective/domain: Property and Casualty General Knowledge (3.1)

Source: NAIC Glossary of Insurance Terms

Question 3 A hailstorm damages the roof and exterior walls of an insured home. Which coverage directly addresses damage to the structure of the house?

Answer choices

  1. A. Personal property coverage
  2. B. Personal liability coverage
  3. C. Dwelling coverage
  4. D. Loss of use coverage

Correct answer

Dwelling coverage

Objective/domain: Property and Casualty General Knowledge (2.1)

Source: TDI Home insurance guide

Question 4 A Texas homeowner asks whether a standard homeowners or renters policy normally provides the same protection as flood insurance. What should the producer explain?

Answer choices

  1. A. Flood insurance is separate from standard homeowners or renters coverage
  2. B. Flood insurance is included in most standard homeowner's policies
  3. C. Flood insurance covers the same perils as a standard homeowner's policy
  4. D. Flood insurance is a cheaper alternative to a standard homeowner's policy

Correct answer

Flood insurance is separate from standard homeowners or renters coverage

Objective/domain: Property and Casualty General Knowledge (1.1)

Source: FEMA Flood Insurance

Question 5 A policyholder becomes less careful after purchasing property insurance because they expect the insurer to cover losses. This situation illustrates the moral hazard concern. Which description best represents this issue?

Answer choices

  1. A. A physical condition that increases the likelihood of a loss
  2. B. The legal obligation to restore an insured to their pre-loss financial condition
  3. C. The process of calculating the appropriate premium for a policy
  4. D. A policyholder’s increased willingness to take risks due to insurance coverage

Correct answer

A policyholder’s increased willingness to take risks due to insurance coverage

Objective/domain: Property and Casualty General Knowledge (2.1)

Source: NAIC Glossary of Insurance Terms

Question 6 An applicant wants the most comprehensive homeowner's insurance coverage. Which ISO form is most appropriate?

Answer choices

  1. A. HO 00 02 Homeowners 2 Broad Form
  2. B. HO 00 03 Homeowners 3 Special Form
  3. C. HO 00 06 Homeowners 6 Unit-Owners Form
  4. D. HO 00 05 Homeowners 5 Comprehensive Form

Correct answer

HO 00 05 Homeowners 5 Comprehensive Form

Objective/domain: Property and Casualty General Knowledge (1.1)

Source: TDI Commissioner Order 2024-9152

Question 7 A homeowner’s property sustains significant damage from rising floodwaters. Which type of insurance would cover this loss?

Answer choices

  1. A. Homeowners insurance
  2. B. Renters insurance
  3. C. Flood insurance
  4. D. Businessowners policy

Correct answer

Flood insurance

Objective/domain: Property and Casualty General Knowledge (1.1)

Source: FEMA Flood Insurance

Question 8 A coastal property owner cannot obtain wind and hail insurance from the voluntary private market. What is the purpose of the Texas windstorm insurance mechanism in that situation?

Answer choices

  1. A. To compete directly with private insurance companies in Texas
  2. B. To provide wind and hail coverage to applicants unable to obtain insurance in the private market
  3. C. To provide general liability coverage for businesses in Texas
  4. D. To receive general revenue funds from the state of Texas

Correct answer

To provide wind and hail coverage to applicants unable to obtain insurance in the private market

Objective/domain: Property and Casualty General Knowledge (1.1)

Source: TDI Windstorm Inspection Program FAQ

Question 9 An overloaded electrical panel, particularly when dry, increases the risk of a building fire. Which term describes this situation?

Answer choices

  1. A. Peril
  2. B. Deductible
  3. C. Hazard
  4. D. Endorsement

Correct answer

Hazard

Objective/domain: Property and Casualty General Knowledge (2.1)

Source: NAIC Glossary of Insurance Terms

Question 10 An insured’s property is damaged by a covered event. The insurance policy states the insurer will pay based on the property’s value after depreciation. Which coverage type applies?

Answer choices

  1. A. Replacement cost
  2. B. Agreed value
  3. C. Broad form
  4. D. Actual cash value

Correct answer

Actual cash value

Objective/domain: Property and Casualty General Knowledge (2.1)

Source: NAIC Glossary of Insurance Terms

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