General Property and Casualty Product Knowledge
Pearson VUE weights this area at 40% of the Texas All Lines Adjuster exam. It covers the standard fire policy, personal and commercial auto, homeowners and dwelling forms, commercial property and package policies, boiler and machinery, crime, inland and ocean marine, time-element and other additional coverages, and bonds. For worked examples, traps and full explanations, see the PrepPass Texas All Lines Adjuster Study Guide.
The standard fire policy
The standard fire policy pays the lesser of actual cash value or repair cost with like kind and quality, never more than the insured's interest. Coverage is suspended while hazard is increased within the insured's control or a building is vacant or unoccupied beyond 60 consecutive days. The insured owes prompt notice, protection of the property, an inventory and a sworn proof of loss within 60 days.
Homeowners and dwelling forms
HO-2 is named-peril; HO-3 is open-peril on the dwelling and named-peril on contents; HO-4 insures a tenant's contents; HO-5 is open-peril on both; HO-6 is for condominium unit owners. A dwelling policy gives property coverage without liability and suits non-owner-occupied houses. Flood is excluded from most home policies, and coastal wind and hail coverage is often written by the Texas Windstorm Insurance Association.
Auto
Texas minimum liability limits are 30/60/25. Personal injury protection ($2,500 minimum per person) and uninsured/underinsured motorists coverage must be included unless rejected in writing. On a borrowed car the owner's policy is primary and the driver's own policy is excess. Business Auto Policies use covered auto symbols and usually a combined single limit.
Commercial and specialty lines
Commercial property covers buildings, business personal property and property of others, on basic, broad or special causes-of-loss forms, usually with coinsurance. A Commercial Package Policy combines coverage parts; a Businessowners Policy packages property, liability and business income for small businesses. Equipment breakdown, crime, inland marine, ocean marine (general and particular average, P&I, the running-down clause), business income, ordinance or law, valuable papers, garagekeepers, umbrella and bonds fill the gaps standard forms leave.
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