10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The ID-PC exam has 80 questions and runs 1 hour 45 minutes.
These 10 free ID-PC questions are organized by exam domain, so you can see how each part of the Idaho Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An owner has an unendorsed HO-3. A guest accidentally spills permanent dye across built-in hardwood flooring and a freestanding sofa. The spill is not among Coverage C's named perils, and no exclusion applies. How should Section I respond?
Correct answer: C - Cover the flooring under Coverage A, but not the sofa under Coverage C
A condominium unit owner replaces builder-grade cabinets with custom cabinetry. The association's bylaws make unit owners responsible for insuring interior improvements. A covered kitchen fire destroys the cabinets. Under the unit owner's HO-6, the loss belongs under:
Correct answer: A - Coverage A - Dwelling
A covered fire closes a retail store. During restoration, the store loses net income, continues covered rent and payroll expenses, and rents a temporary location to shorten the shutdown. The correct allocation is:
Correct answer: B - Business Income covers lost net income and continuing expenses; Extra Expense covers the temporary location
An office building has a $900,000 value and an 80% coinsurance clause. The insured carries a $540,000 limit. A covered fire causes $180,000 of damage, and a $2,000 deductible applies. Ignoring salvage and other insurance, what is the insurer's payment?
Correct answer: A - $133,000
A windstorm tears away part of a homeowner's roof, and more rain is forecast that night. The insurer has not yet inspected the loss. Under the insured's duties after loss and reasonable-repairs coverage, the best immediate course is to:
Correct answer: C - Arrange reasonable temporary protection, document it, and retain receipts
The insured and insurer agree that hail damage is covered but disagree sharply over the dollar amount needed to repair the roof. Neither disputes policy interpretation. Which policy mechanism is aimed at this disagreement?
Correct answer: B - Appraisal
An Idaho producer collects a customer's premium and, without authorization, uses $1,000 owed to the insurer to meet agency payroll, planning to replace it before remittance. This conduct is:
Correct answer: D - Fiduciary conversion or unauthorized use of premium funds
An insurer signs an agency contract with an Idaho producer on April 2. The producer submits the first insurance application on April 9. Under Idaho appointment law, the insurer must file the appointment:
Correct answer: B - Within 15 days of April 2
An Idaho business obtains hard-to-place property coverage through a licensed surplus-lines broker from an eligible nonadmitted insurer. The insurer later becomes insolvent. What should the producer explain?
Correct answer: A - The placement may be lawful, but ordinary guaranty-association protection generally does not apply
Unusual and rapid surface-water runoff creates a general and temporary inundation of normally dry land on the insured parcel and two adjoining parcels, but less than two acres in total. The insured building is damaged. How does the event fit the NFIP flood definition?
Correct answer: D - It can qualify because three properties, including the insured property, are inundated
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