PAP Eligibility
Phil is a full-time wedding photographer that specializes in weddings and elopements. He has two camera's with values of $1,000 and $1,500 respectively, he would like to insure.
Answer has to include property class, eligibility, and appraisal (if necessary). If not eligible please provide answer to appraisal anyway.
Prop Class: Camera's
Eligible: No
Appraisal: No
Marcus is 22, and lives with his parents. He drives his vehicle that is insured with another company. Should he be included in his parents HH?
No.
Phil has a crack in his sewer line, in the front yard, that was cause by an invasive sewer line. Which endorsement, if carried, would help repair these damages?
Service Line Coverage
How many days does a customer have, before the DSS discount is removed?
35
03-12-2023 - Defective Headlamps
Leave it off.
Jordan is a professional golfer who would like to insure his golf set, along with his four golf sets used for lessons, and practice rounds. Each set costs $5,000 to replace.
Answer has to include property class, eligibility, and appraisal (if necessary). If not eligible please provide answer to appraisal anyway.
Property Class: Sports Equipment
Eligible: No
Appraisal: Yes (N/A)
Samantha is 20, and her husband Jeff is 26. Jeff is insuring his vehicle with State Farm. They do not operate each other's vehicles. Samantha is insured with another company. Do Jeff and Samantha need to be listed together?
Yes.
Megghin's home has been struck by lightning. The strike has caused an electrical failure to her new hot water heater. Which endorsement, if carried, would help repair or replace her hot water heater?
Home System's Protection.
Which 4 major coverages does DSS percentage apply to?
03-12-2023 - Defective Vehicle
List it. Minor Violation
James has a personal collection of seven Archery Bow's used for Hunting. All of the Bow's range anywhere from $1,200 to $2,000 to replace.
Answer has to include property class, eligibility, and appraisal (if necessary). If not eligible please provide answer to appraisal anyway.
Property Class: Sports Equipment
Eligible: Yes
Appraisal: No
Ferdinand, 22, lives with her parents, does not have a vehicle, does not operate any vehicle, but does have a license. Does she need to be listed as a driver?
Yes. (under 25)
Jim and Pam are going to be using their second home in Telluride as a short-term rental. They will use Airbnb to rent the home 3-4 days per week. Which endorsement, if carried, would help them insure the home properly?
Home Rental Endorsement
Can a customer use Drive Safe and Save discount if they leave a vehicle in storage, or store a vehicle in the garage for a portion of the year?
Yes.
(If not enough driving information is collected between renewals, then an initial discount may issue again with the initial discount after renewal. OR an existing policy with a larger DSS discount may revert back to an initial discount if the vehicle is put into storage, and not driven enough during a renewal.)
03-12-2023 Carless Driving
List it. Minor Violation
Zach would like to insure his personal Gibson Les Paul guitar valued at $10,000.
Answer has to include property class, eligibility, and appraisal (if necessary). If not eligible please provide answer to appraisal anyway.
Property Class: Musical Instruments
Eligible: Yes
Appraisal: Yes
Tom, and Jerry, friends who share an apartment, also share a renter's policy but do not operate each other's vehicles. Do they need to be listed on each other's vehicles?
Yes.
Lucy's Condominium Association has charged its members each $19,000 to pay for the communal damage to the roofing material in a recent hailstorm. Which endorsement, if carried, would help pay for this charge?
Loss Assessments
How many days must a current customer use DSS before renewal, in order for the initial discount to be replaced with the new discount?
70 or more.
03-12-2020 - Reckless Driving
List it. Major Violation
Michael would like to insure his 2023 Kubota Skid Steer, used for maintenance on his property, where he resides. The Skid Steer was purchased for $55,000 two months ago.
Answer has to include property class, eligibility, and appraisal (if necessary). If not eligible please provide answer to appraisal anyway.
Property Class: Miscellaneous Articles
Eligible: Yes
Appraisal: Yes (receipts/proof of purchase are acceptable)
Chandler and Monica live with Monica's mother, Stacy. Stacy ensures her vehicle elsewhere. Stacy uses Monica's car one a month to pick up her grandkids from school. Do we need to list Stacy as a HH driver?
No.
Patrick had severe damage to the North side of his home, as a severe storm blew in rain and hail from one side of the mountain more primarily. Which endorsement, if carried, would help replace all the roofing material, rather than a partial replacement?
Matching of Undamaged Roof Surfacing
How many months of driving characteristics are used when considering the DSS discount?
12 months
03-12-2021 - Speed Contest
List it. Major Violation