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Quiz No. 08 is based on 1 topics. These are:
Property Insurance Basics:
1. Covered perils: fire, theft, vandalism, windstorm, hail, explosion, smoke, riot, civil commotion, aircraft, vehicles, volcanic eruption, etc
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Question 1 of 30
1. Question
During a wildfire, Mr. Thompson’s vacation cabin was destroyed by flames. What peril is most likely to cover the loss of the cabin?
Correct
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
Incorrect
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
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Question 2 of 30
2. Question
Ms. Lee’s car was damaged by a fallen utility pole during a severe storm. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Lee’s car by a fallen utility pole during a severe storm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Lee’s car by a fallen utility pole during a severe storm would likely be covered under the windstorm peril.
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Question 3 of 30
3. Question
Mr. Nguyen’s house was damaged by a lightning strike, causing a fire. What peril is most likely to cover the resulting damages?
Correct
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the fire resulting from the lightning strike would likely be covered under the lightning peril.
Incorrect
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the fire resulting from the lightning strike would likely be covered under the lightning peril.
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Question 4 of 30
4. Question
During a volcanic eruption, Ms. Smith’s car was covered in ash, causing damage to the paint and exterior. What peril is most likely to cover the damage?
Correct
Volcanic eruption is a covered peril in some insurance policies, particularly in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
Incorrect
Volcanic eruption is a covered peril in some insurance policies, particularly in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
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Question 5 of 30
5. Question
Mrs. Johnson’s business property was damaged when a vehicle crashed into the storefront. What peril is most likely to cover the damages?
Correct
Vehicles are a covered peril in many insurance policies and typically cover damages caused by vehicles, including collisions with buildings, storefronts, or other structures. In this scenario, the damage caused by the vehicle crashing into the storefront would likely be covered under the vehicles peril.
Incorrect
Vehicles are a covered peril in many insurance policies and typically cover damages caused by vehicles, including collisions with buildings, storefronts, or other structures. In this scenario, the damage caused by the vehicle crashing into the storefront would likely be covered under the vehicles peril.
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Question 6 of 30
6. Question
During a severe storm, Mr. Brown’s boat was damaged by waves crashing against the dock. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Brown’s boat by waves crashing against the dock during a severe storm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Brown’s boat by waves crashing against the dock during a severe storm would likely be covered under the windstorm peril.
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Question 7 of 30
7. Question
During a severe thunderstorm, Ms. Roberts’ outdoor furniture was damaged by hail. What peril is most likely to cover the damage?
Correct
Hail is a covered peril in many insurance policies, particularly in regions prone to hailstorms. It typically covers damages caused by hailstones impacting property, including outdoor furniture, vehicles, and other structures.
Incorrect
Hail is a covered peril in many insurance policies, particularly in regions prone to hailstorms. It typically covers damages caused by hailstones impacting property, including outdoor furniture, vehicles, and other structures.
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Question 8 of 30
8. Question
Mr. Chen’s business property was damaged by smoke from a neighboring building fire. What peril is most likely to cover the damages?
Correct
Smoke damage is a covered peril in many insurance policies and protects against damages caused by smoke from fires, industrial accidents, or other sources. In this scenario, the damage caused by the smoke from the neighboring building fire would likely be covered under the smoke peril.
Incorrect
Smoke damage is a covered peril in many insurance policies and protects against damages caused by smoke from fires, industrial accidents, or other sources. In this scenario, the damage caused by the smoke from the neighboring building fire would likely be covered under the smoke peril.
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Question 9 of 30
9. Question
During a protest, Mr. Ramirez’s car was vandalized with graffiti. What peril is most likely to cover the damage?
Correct
Vandalism is a covered peril under many insurance policies and protects against damages caused by malicious acts such as graffiti, broken windows, or other intentional damage to property.
Incorrect
Vandalism is a covered peril under many insurance policies and protects against damages caused by malicious acts such as graffiti, broken windows, or other intentional damage to property.
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Question 10 of 30
10. Question
Ms. Wong’s house was damaged by a falling meteorite. What peril is most likely to cover the damage?
Correct
While relatively rare, damage caused by falling meteorites is typically covered under insurance policies as a specific peril. It would be considered a separate event from earthquakes, hailstorms, or riots, and would likely be covered under the meteorite peril.
Incorrect
While relatively rare, damage caused by falling meteorites is typically covered under insurance policies as a specific peril. It would be considered a separate event from earthquakes, hailstorms, or riots, and would likely be covered under the meteorite peril.
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Question 11 of 30
11. Question
During a wildfire, Mr. Patel’s backyard shed was destroyed by flames. What peril is most likely to cover the loss of the shed?
Correct
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
Incorrect
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
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Question 12 of 30
12. Question
Mrs. Kim’s storefront was damaged by water due to a burst pipe. What peril is most likely to cover the damages?
Correct
Water damage from burst pipes is a covered peril in many insurance policies and typically includes damages caused by sudden and accidental water discharge from plumbing, heating, or air conditioning systems.
Incorrect
Water damage from burst pipes is a covered peril in many insurance policies and typically includes damages caused by sudden and accidental water discharge from plumbing, heating, or air conditioning systems.
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Question 13 of 30
13. Question
During a civil commotion, Mr. Johnson’s car was damaged by individuals throwing rocks. What peril is most likely to cover the damage?
Correct
Riot is a covered peril in many insurance policies and protects against damages caused by civil disturbances, protests, or riots where there is violence, vandalism, or destruction of property.
Incorrect
Riot is a covered peril in many insurance policies and protects against damages caused by civil disturbances, protests, or riots where there is violence, vandalism, or destruction of property.
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Question 14 of 30
14. Question
Ms. Nguyen’s house was damaged by a neighbor’s tree falling during a windstorm. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Nguyen’s house by a fallen tree during a windstorm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Nguyen’s house by a fallen tree during a windstorm would likely be covered under the windstorm peril.
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Question 15 of 30
15. Question
During a volcanic eruption, Mr. Thompson’s car was damaged by ash fall. What peril is most likely to cover the damage?
Correct
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
Incorrect
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
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Question 16 of 30
16. Question
Mr. Brown’s house was damaged by a nearby explosion at a gas station. What peril is most likely to cover the damages?
Correct
Explosion is a covered peril in many insurance policies and protects against damages caused by sudden and accidental explosions, such as those resulting from gas leaks, industrial accidents, or other explosive events.
Incorrect
Explosion is a covered peril in many insurance policies and protects against damages caused by sudden and accidental explosions, such as those resulting from gas leaks, industrial accidents, or other explosive events.
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Question 17 of 30
17. Question
During a severe storm, Mr. Adams’ boat was damaged by a lightning strike while moored at the marina. What peril is most likely to cover the damage?
Correct
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the damage caused by the lightning strike to Mr. Adams’ boat would likely be covered under the lightning peril.
Incorrect
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the damage caused by the lightning strike to Mr. Adams’ boat would likely be covered under the lightning peril.
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Question 18 of 30
18. Question
Ms. Martinez’s garden was destroyed by a landslide after heavy rainfall. What peril is most likely to cover the damage?
Correct
Landslide is a covered peril in some insurance policies, particularly in areas prone to landslides or mudslides. It typically covers damages caused by the movement of earth, rocks, or debris due to heavy rainfall, earthquakes, or other natural events.
Incorrect
Landslide is a covered peril in some insurance policies, particularly in areas prone to landslides or mudslides. It typically covers damages caused by the movement of earth, rocks, or debris due to heavy rainfall, earthquakes, or other natural events.
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Question 19 of 30
19. Question
During a wildfire, Mr. Garcia’s outdoor grill and patio furniture were damaged by flames. What peril is most likely to cover the loss?
Correct
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
Incorrect
Fire is a covered peril in most insurance policies and protects against damages caused by accidental fires, including wildfires. It covers damages to structures, personal property, and belongings within the insured premises.
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Question 20 of 30
20. Question
Mrs. Chen’s house was damaged by a falling branch from a neighbor’s tree during a windstorm. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mrs. Chen’s house by a falling branch during a windstorm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mrs. Chen’s house by a falling branch during a windstorm would likely be covered under the windstorm peril.
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Question 21 of 30
21. Question
During a civil commotion, Ms. Thompson’s car was damaged by individuals attempting to overturn it. What peril is most likely to cover the damage?
Correct
Riot is a covered peril in many insurance policies and protects against damages caused by civil disturbances, protests, or riots where there is violence, vandalism, or destruction of property.
Incorrect
Riot is a covered peril in many insurance policies and protects against damages caused by civil disturbances, protests, or riots where there is violence, vandalism, or destruction of property.
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Question 22 of 30
22. Question
Mr. Brown’s house was damaged by a fallen satellite during a meteor shower. What peril is most likely to cover the damage?
Correct
Damage caused by falling meteorites is typically covered under insurance policies as a specific peril. It would be considered a separate event from earthquakes, hailstorms, or riots and would likely be covered under the meteorite peril.
Incorrect
Damage caused by falling meteorites is typically covered under insurance policies as a specific peril. It would be considered a separate event from earthquakes, hailstorms, or riots and would likely be covered under the meteorite peril.
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Question 23 of 30
23. Question
During a severe storm, Mrs. Nguyen’s roof was damaged by hailstones. What peril is most likely to cover the damage?
Correct
Hail is a covered peril in many insurance policies, particularly in regions prone to hailstorms. It typically covers damages caused by hailstones impacting property, including roofs, vehicles, and other structures.
Incorrect
Hail is a covered peril in many insurance policies, particularly in regions prone to hailstorms. It typically covers damages caused by hailstones impacting property, including roofs, vehicles, and other structures.
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Question 24 of 30
24. Question
During a volcanic eruption, Mr. Patel’s vehicle was damaged by volcanic ash. What peril is most likely to cover the damage?
Correct
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
Incorrect
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including ash fall, lava flow, or other volcanic-related events.
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Question 25 of 30
25. Question
Ms. Lee’s house was damaged by smoke from a nearby forest fire. What peril is most likely to cover the damages?
Correct
Smoke damage is a covered peril in many insurance policies and protects against damages caused by smoke from fires, industrial accidents, or other sources. In this scenario, the damage caused by the smoke from the nearby forest fire would likely be covered under the smoke peril.
Incorrect
Smoke damage is a covered peril in many insurance policies and protects against damages caused by smoke from fires, industrial accidents, or other sources. In this scenario, the damage caused by the smoke from the nearby forest fire would likely be covered under the smoke peril.
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Question 26 of 30
26. Question
During a severe storm, Mr. Johnson’s sailboat was damaged by waves and wind. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Johnson’s sailboat by waves and wind during a severe storm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Johnson’s sailboat by waves and wind during a severe storm would likely be covered under the windstorm peril.
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Question 27 of 30
27. Question
During a severe storm, Ms. Rodriguez’s windows were shattered by flying debris. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Rodriguez’s windows by flying debris during a severe storm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Ms. Rodriguez’s windows by flying debris during a severe storm would likely be covered under the windstorm peril.
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Question 28 of 30
28. Question
Mr. Johnson’s barn was damaged by a lightning strike, causing a fire. What peril is most likely to cover the resulting damages?
Correct
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the fire resulting from the lightning strike would likely be covered under the lightning peril.
Incorrect
Lightning is a covered peril in many insurance policies and protects against damages caused by lightning strikes. In this scenario, the fire resulting from the lightning strike would likely be covered under the lightning peril.
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Question 29 of 30
29. Question
During a volcanic eruption, Ms. Smith’s property was damaged by lava flow. What peril is most likely to cover the damage?
Correct
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including lava flow, ash fall, or other volcanic-related events.
Incorrect
Volcanic eruption is a covered peril in some insurance policies, especially in areas prone to volcanic activity. It typically covers damages caused directly by volcanic eruptions, including lava flow, ash fall, or other volcanic-related events.
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Question 30 of 30
30. Question
Mr. Thompson’s vehicle was damaged by a fallen tree during a windstorm. What peril is most likely to cover the damage?
Correct
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Thompson’s vehicle by a fallen tree during a windstorm would likely be covered under the windstorm peril.
Incorrect
Windstorm is a covered peril in many insurance policies and typically includes damages caused by strong winds, storms, hurricanes, or tornadoes. Damage to Mr. Thompson’s vehicle by a fallen tree during a windstorm would likely be covered under the windstorm peril.