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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 6% | - Disciplinary Actions
|
| Topic 2: Commercial Package Policy | 38% | - Commercial Inland Marine
|
| Topic 3: Dwelling Policy | 6% | - Exclusions, Conditions and Endorsements
|
| Topic 4: Accident and Health Insurance Basics | 6% | - Accident and Health Claims
|
| Topic 5: Insurance Basics | 6% | - Policy Structure
|
| Topic 6: Adjusting Losses | 11% | - Claim Investigation
|
| Topic 7: Homeowners Policy | 10% | - Liability Coverages
|
| Topic 8: Medical Reports and Terminology | 4% | - Basic Human Anatomy
|
| Topic 9: Personal Inland Marine | 13% | - Personal Articles Floater
|
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NEW QUESTION # 103
Homeowner Policies exclude coverage for
Answer: B
Explanation:
The correct answer is A. Standard homeowners property forms contain a broad earth movement exclusion, encompassing events such as earthquake, landslide, mudslide, earth sinking, rising, or shifting, subject to the precise policy wording and any endorsements purchased. Earthquake coverage ordinarily requires a separate endorsement or policy. The Series 17-70 examination outline specifically requires knowledge of Homeowners Policy additional coverages, perils insured against, exclusions, conditions, and selected endorsements, including an earthquake endorsement.
The remaining choices describe protections commonly appearing as Additional Coverages rather than general exclusions. Debris Removal reimburses reasonable expenses for removing debris of covered property following a covered cause of loss. Insurance-regulator guidance confirms debris removal is ordinarily incorporated into homeowners coverage when the underlying damage results from an insured peril.
Likewise, Property Removed protects covered property against direct loss while it is being removed from endangered premises to safeguard it from an insured peril, subject to the form's time limitations. Fire Department Service Charge provides a specified additional amount when an insured incurs a contractual fire- department service charge. These provisions are standard examples of homeowners additional coverages.
Therefore, among the four choices, earth movement is the excluded cause of loss.
NEW QUESTION # 104
Long-term care policies cover expenses for care when the insured CANNOT perform all of the following activities of daily living EXCEPT
Answer: A
Explanation:
The correct answer is B - Shopping. Long-term care insurance commonly uses the insured's inability to perform specified Activities of Daily Living (ADLs) as a benefit eligibility trigger. New York DFS identifies the principal ADLs as dressing, eating, bathing, toileting, continence, and transferring. Most long-term care policies require inability to perform a specified number of these activities without substantial assistance before benefits become payable, subject to the contract's precise benefit trigger.
Bathing, option A, is a recognized ADL. Toileting, option C, is also a recognized ADL. Transferring, option D, refers generally to the ability to move into or out of a bed, chair, or similar position and is another standard ADL.
Shopping, by contrast, is generally classified as an Instrumental Activity of Daily Living (IADL). IADLs involve more complex activities necessary for independent community living, such as shopping, housekeeping, transportation, managing finances, meal preparation, and telephone use. New York health guidance similarly distinguishes shopping as an instrumental activity rather than a basic ADL.
Therefore, shopping is the activity that does not belong to the standard basic ADL group.
Series 17-70 reference topics: Other Coverages - Long-Term Care Insurance, Benefit Triggers, Activities of Daily Living, and Eligibility for Benefits.
NEW QUESTION # 105
Which part of the garage coverage form provides liability coverage for automobiles in the care, custody, and control of the insured?
Answer: C
Explanation:
The correct answer is C - Garagekeepers Coverage. Garagekeepers coverage addresses loss to customers' automobiles while those vehicles are in the insured garage operation's care, custody, or control, such as while being serviced, repaired, parked, stored, or otherwise attended by the insured.
This distinction is essential because ordinary liability coverage contains a care, custody, or control exclusion for damage to property entrusted to the insured. If an automobile repair business damages a customer's automobile while the vehicle is in the shop's custody, ordinary business auto or general liability property- damage protection generally does not fill that exposure. Garagekeepers coverage is specifically designed for it.
Physical Damage Coverage ordinarily protects covered autos owned or otherwise qualifying under the insured's own physical-damage symbols; it is not synonymous with protection for customer vehicles entrusted to the business. "Specified Coverage" is not the relevant garage-form coverage division.
Garagekeepers may be structured on a legal-liability basis or, depending on available forms, direct primary or direct excess bases. The precise form affects whether negligence must be established.
The official Series 17-70 examination outline expressly includes Garage Coverage, Garage Keeper's Coverage, Liability Coverage, Physical Damage Coverage, Exclusions, Conditions, and Definitions within Commercial Auto.
Therefore, the correct answer is C.
NEW QUESTION # 106
Under Other States Workers' Compensation Insurance, coverage ONLY applies if the states are listed on the
Answer: B
Explanation:
The correct answer is D - declarations page. More precisely, the standard Workers Compensation and Employers Liability Policy refers to the Information Page, which performs the declarations-page function for this policy.
Under Part Three - Other States Insurance, the employer may receive workers compensation and employers liability protection in qualifying states not listed under the primary-state portion of the policy. The New York Compensation Insurance Rating Board expressly provides that states where Other States coverage is to apply must be listed in Item 3.C. of the Information Page.
Because "Information Page" is not offered among the four answer choices, declarations page is the intended and technically equivalent examination response.
Option A is incorrect because merely mentioning a state in an application does not activate contractual coverage. Option B contains the insurer's broad promise but does not identify the states selected for Other States protection. Option C is not the standard policy mechanism used for this purpose.
The Series 17-70 outline expressly includes Part Three - Other States Insurance, along with Parts One through Six of the standard Workers Compensation and Employers Liability policy.
Therefore, D is correct.
NEW QUESTION # 107
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
Answer: B
Explanation:
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
NEW QUESTION # 108
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