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Free Texas Property & Casualty Insurance Practice Test (2026) - Texas Property and Casualty Insurance License Questions

Texas Property & Casualty Insurance Practice Test

Start today's 10-question Texas Property & Casualty Insurance set with source-backed explanations, local progress, and a fresh rotation every morning.

10 daily web questions Source-backed explanations 7-day score history Questions updated at Jun 24, 2026, 4:20 PM CDT

Question 1 of 10

Objective 3.1 Property and Casualty General Knowledge

Which policy provision amends or changes the terms of the original insurance policy?

Concept tested: Property and Casualty General Knowledge (3.1)

Source:NAIC Glossary of Insurance Terms

Question 2 of 10

Objective 1.1 Property and Casualty General Knowledge

Which of the following homeowners policy forms provides the broadest coverage for both the dwelling and personal property?

Concept tested: Property and Casualty General Knowledge (1.1)

Question 3 of 10

Objective 2.1 Property and Casualty General Knowledge

A business owner wants to ensure their building under construction is adequately protected against potential losses. What type of insurance coverage would best address this need?

Concept tested: Property and Casualty General Knowledge (2.1)

Question 4 of 10

Objective 1.1 Property and Casualty General Knowledge

A storm damages a detached garage behind the insured home. Which homeowners coverage most directly applies to that detached structure?

Concept tested: Property and Casualty General Knowledge (1.1)

Question 5 of 10

Objective 3.1 Property and Casualty General Knowledge

A homeowner's insurance policy typically includes coverage for which of the following?

Concept tested: Property and Casualty General Knowledge (3.1)

Question 6 of 10

Objective 1.1 Property and Casualty General Knowledge

Which of the following homeowners insurance forms provides 'modified coverage' for personal property?

Concept tested: Property and Casualty General Knowledge (1.1)

Question 7 of 10

Objective 1.1 Property and Casualty General Knowledge

A neighbor's child is hurt while playing at the insured's home, and the family wants help with medical bills without filing a liability suit. Which homeowners coverage fits best?

Concept tested: Property and Casualty General Knowledge (1.1)

Question 8 of 10

Objective 1.1 Property and Casualty General Knowledge

A homeowner discovers termite damage and normal wear to part of the house. How should an exam candidate treat those losses under the TDI homeowners guide?

Concept tested: Property and Casualty General Knowledge (1.1)

Question 9 of 10

Objective 3.1 Property and Casualty General Knowledge

A certificate of insurance is issued to a contractor working on a construction project. Which statement accurately describes the certificate holder's rights regarding policy changes?

Concept tested: Property and Casualty General Knowledge (3.1)

Question 10 of 10

Objective 1.1 Property and Casualty General Knowledge

A homeowner's policy includes several coverages. Which of the following pays for additional living expenses if the home is uninhabitable due to a covered loss?

Concept tested: Property and Casualty General Knowledge (1.1)

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Question 1 Which policy provision amends or changes the terms of the original insurance policy?

Answer choices

A. Binder
B. Endorsement
C. Deductible
D. Coinsurance clause

Correct answer

Endorsement

An endorsement amends or changes an insurance policy. A binder, deductible, or coinsurance clause serves a different function within the insurance relationship.

Wrong-answer review

A. Binder: A binder is temporary proof of coverage before the policy is issued or denied, not a policy amendment.
C. Deductible: A deductible is the insured’s retained amount on a covered loss, not a policy modification.
D. Coinsurance clause: A coinsurance clause requires a specified insurance-to-value percentage and is not the general term for an amendment.

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

Question 2 Which of the following homeowners policy forms provides the broadest coverage for both the dwelling and personal property?

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

HO 00 05 Homeowners 5 Comprehensive Form

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

Question 3 A business owner wants to ensure their building under construction is adequately protected against potential losses. What type of insurance coverage would best address this need?

A. Blanket insurance
B. Builders risk coverage
C. Inland marine insurance
D. Actual cash value

Builders risk coverage

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

Question 4 A storm damages a detached garage behind the insured home. Which homeowners coverage most directly applies to that detached structure?

A. Personal liability coverage
B. Other structures coverage
C. Loss of use coverage
D. Medical payments coverage

Other structures coverage

Question 5 A homeowner's insurance policy typically includes coverage for which of the following?

A. Flood damage
B. Earthquake damage
C. Termite damage
D. Personal liability

Personal liability

Question 6 Which of the following homeowners insurance forms provides 'modified coverage' for personal property?

A. HO 00 02 Homeowners 2 Broad Form
B. HO 00 08 Homeowners 8 Modified Coverage Form
C. HO 00 03 Homeowners 3 Special Form
D. HO 00 05 Homeowners 5 Comprehensive Form

HO 00 08 Homeowners 8 Modified Coverage Form

Question 7 A neighbor's child is hurt while playing at the insured's home, and the family wants help with medical bills without filing a liability suit. Which homeowners coverage fits best?

A. Other structures coverage
B. Dwelling coverage
C. Medical payments coverage
D. Loss of use coverage

Medical payments coverage

Question 8 A homeowner discovers termite damage and normal wear to part of the house. How should an exam candidate treat those losses under the TDI homeowners guide?

A. They are generally excluded from most home policies
B. They are usually handled under medical payments coverage
C. They are paid under personal liability coverage
D. They are automatically covered by flood insurance

They are generally excluded from most home policies

Question 9 A certificate of insurance is issued to a contractor working on a construction project. Which statement accurately describes the certificate holder's rights regarding policy changes?

A. A certificate holder automatically receives notice of all policy changes, regardless of their inclusion in the policy
B. A certificate holder has a legal right to notice of cancellation, nonrenewal, or material change only if named in the policy or endorsement
C. The certificate holder's rights are determined solely by the terms outlined on the certificate of insurance
D. A certificate holder always receives notice of policy changes as a standard practice within the insurance industry

A certificate holder has a legal right to notice of cancellation, nonrenewal, or material change only if named in the policy or endorsement

Question 10 A homeowner's policy includes several coverages. Which of the following pays for additional living expenses if the home is uninhabitable due to a covered loss?

A. Loss of use coverage
B. Dwelling coverage
C. Personal liability coverage
D. Medical payments coverage

Loss of use coverage

Texas Property & Casualty Insurance Practice Test

Texas Property & Casualty Insurance

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Which policy provision amends or changes the terms of the original insurance policy?

Which of the following homeowners policy forms provides the broadest coverage for both the dwelling and personal property?

A business owner wants to ensure their building under construction is adequately protected against potential losses. What type of insurance coverage would best address this need?

A storm damages a detached garage behind the insured home. Which homeowners coverage most directly applies to that detached structure?

A homeowner's insurance policy typically includes coverage for which of the following?

Which of the following homeowners insurance forms provides 'modified coverage' for personal property?

A neighbor's child is hurt while playing at the insured's home, and the family wants help with medical bills without filing a liability suit. Which homeowners coverage fits best?

A homeowner discovers termite damage and normal wear to part of the house. How should an exam candidate treat those losses under the TDI homeowners guide?

A certificate of insurance is issued to a contractor working on a construction project. Which statement accurately describes the certificate holder's rights regarding policy changes?

A homeowner's policy includes several coverages. Which of the following pays for additional living expenses if the home is uninhabitable due to a covered loss?

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