Free Florida Property & Casualty Practice Exam 2026

Florida property and casualty insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. In Florida, uninsured motorist coverage must be provided on an auto policy with bodily injury liability unless:

   • A.The insured also carries collision
   • B.A named insured rejects it in writing
   • C.The insurer chooses to leave it out
   • D.The car is more than ten years old

   Answer: B. Section 627.727(1) requires UM coverage unless a named insured rejects it, or selects lower limits, in writing on an office-approved form. A signed rejection is presumed informed and binds all insureds.

2. 2. Under the commercial crime forms, 'robbery' means:

   • A.Any theft of money
   • B.Taking property from the premises by forcible entry leaving visible marks
   • C.Taking property by trick or deceit
   • D.Taking property from a person by force or threat

   Answer: D. Robbery requires a person to be present and threatened or harmed. Forcible entry with marks is burglary, and taking by trick is theft but not robbery.

3. 3. A producer convinces a client to replace an existing policy by misrepresenting the current coverage. This unethical practice is called:

   • A.Twisting
   • B.Defamation
   • C.Rebating
   • D.Coercion

   Answer: A. Twisting is inducing replacement through misrepresentation, an unfair practice under s. 626.9541. Rebating is giving back part of the commission, which Florida allows only under a filed, uniformly applied schedule (s. 626.572), and coercion is forcing a purchase, such as tying insurance to a loan.

4. 4. Which loss is excluded under every unendorsed homeowners form?

   • A.Fire caused by faulty wiring
   • B.Windstorm damage to the roof
   • C.Flood from surface water
   • D.Theft of a bicycle from the garage

   Answer: C. Water damage from flood, surface water and tidal water is excluded and must be insured through the NFIP or a private flood policy. Windstorm, theft and fire are covered perils.

5. 5. An accountant's client sues over an error in a tax filing. The coverage that responds is:

   • A.A fidelity bond
   • B.Directors and officers liability
   • C.Professional liability
   • D.CGL Coverage A

   Answer: C. Professional liability, also called errors and omissions, covers financial harm from negligent professional services, which the CGL excludes. A fidelity bond covers employee dishonesty.

6. 6. A policy that pays the stated face amount on a total loss regardless of the property's actual value is a:

   • A.Valued policy
   • B.Reporting form policy
   • C.Actual cash value policy
   • D.Blanket policy

   Answer: A. A valued policy pays the agreed amount on a total loss. A blanket policy covers several locations or property types under one limit but still settles on actual loss.