Property Insurance Fundamentals第 222 / 474 题
A percentage deductible on a homeowners policy differs from a flat deductible in that it is:
a.Figured as a percent of the annual premium
b.A fixed dollar amount taken from each loss
c.Figured as a percent of the dwelling limit
d.A fixed dollar sum applied once per year
解析
A percentage deductible is stated as a percent of the amount of insurance on the dwelling, so it grows every time that limit is raised, while a flat deductible stays at a set dollar figure until it is changed. The premium-based answer is not how any deductible is computed. The two fixed-dollar descriptions define the flat deductible, which is the thing being contrasted.
免费刷完整 474 道题库 — 无需注册。
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
同考点相关题目
- A dwelling with a $320,000 replacement cost is insured for $300,000 under a 90% coinsurance clause with a $1,000 deductible. A covered $60,000 loss occurs. The insurer pays:
- A dwelling with a $300,000 replacement cost is insured for $240,000, meeting the form's 80% requirement. Fire damages one wing: $18,000 to replace, $12,000 depreciated, deductible $1,000. The insurer pays:
- When a coinsurance penalty applies to a property loss, the deductible is:
- A homeowners policy shows a dwelling limit of $280,000 and a 2% deductible; the home's full replacement cost is $350,000. A covered $34,000 loss occurs. The insurer pays:
- Under a named-perils property form, who carries the burden of proof when a claim is filed?
- On an open-perils form, once the insured shows that direct physical loss occurred, the insurer must:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Personal Lines Insurance License Exam · 我们如何核对