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 CA-PC exam has 150 questions and runs 3 hours.
These 10 free CA-PC questions are organized by exam domain, so you can see how each part of the California Property & Casualty Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
An insurer supplies a producer with company-branded applications, permits the producer to collect initial premiums, and lists the producer publicly as an authorized representative. The private agency agreement forbids binding, but an applicant reasonably believes the producer can bind a homeowners policy. Which authority doctrine controls the applicant's reasonable belief?
Correct answer: C - Apparent authority
A warehouse has a replacement value of $1,000,000. Its commercial property policy carries a $600,000 limit, an 80% coinsurance requirement, and a $5,000 deductible. A covered partial fire loss totals $200,000. Applying coinsurance before the deductible, what is the insurer's payment?
Correct answer: A - $145,000
Jordan leases an apartment, owns no interest in the building, and wants insurance for furniture, clothing, additional living expense after a covered loss, and personal liability. Which standard unendorsed homeowners form best matches that exposure?
Correct answer: D - HO-4
During a wildfire-risk review, a homeowner has thinned vegetation from 30 to 100 feet and installed a Class A roof, but keeps firewood against wood siding and combustible mulch within five feet of the house. Which recommendation addresses the most immediate remaining ember-ignition exposure?
Correct answer: B - Relocate the firewood and use noncombustible material in the first five feet
An earthquake cracks a gas line and the resulting fire destroys an insured California home. The homeowners policy excludes earth movement, and the insured also carries a CEA earthquake policy. Where should the covered fire damage be claimed?
Correct answer: A - The homeowners policy's fire coverage
Following intense rain, a river of liquid and flowing mud crosses normally dry land and inundates three neighboring properties, including the insured's. How should the event be classified for National Flood Insurance Program purposes?
Correct answer: C - A mudflow that can qualify as flood
For 75 consecutive days, a tenant has rented and used 18,000 square feet of an insured owner's 60,000-square-foot warehouse; the owner uses none of the remainder. Vandals then damage the building. What result follows under the standard commercial property vacancy condition?
Correct answer: B - No payment for vandalism because the occupancy and duration tests are met
After a covered fire closes a bakery, the owner rents a temporary kitchen and pays expedited shipping charges so customer orders can continue during repairs. Which coverage addresses those added operating costs most directly?
Correct answer: D - Extra expense
No external fire occurs when internal electrical arcing disables a restaurant's walk-in freezer compressor and the food inside spoils. The ordinary property form excludes electrical and mechanical breakdown. Which coverage closes this gap?
Correct answer: C - Equipment breakdown with spoilage coverage
All required disclosures and the medical-examination waiver are included in a proposed California pet policy, but the policy imposes a 7-day wait for accidental injuries and a 30-day wait for illnesses. Which revision is legally necessary?
Correct answer: A - Eliminate the accident wait; keep the 30-day illness wait
The CA-PC exam also covers these domains. Drill them in the full free practice test:
The full bank has 1,020 more CA-PC questions with explanations.
Continue in the free practice test →
View plans