Uncommon Scenarios






Home Auto Liability Random Topic Advanced
What is no coverage?
This covers electrical damage during a lightning strike while the home is vacant.
What is full pay discount?
This discount can only be applied during the time of binding or at renewal.
What is bodily injury liability?
Insurance that covers physical injuries caused by a vehicle accident for which you are responsible.
What is Manufactured homes and senior living facilities?
We cannot insure these types of properties under our renters policy.
What are price, persons involved, forms that are required, and lost wages, and funeral expenses?
By doing this, you get guaranteed renewal on your auto and if you have a property and auto claim at the same time, your auto deductible is waived.
What is other structures having 4 walls and a roof?
Replacement cost on other structures only applies to what?
What is Comprehensive coverage?
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If your neighbors tree falls on your car, this will cover the damages to your vehicle.
What is a Personal Umbrella Policy?
This extends your liability coverage if it runs out.
What is Under insured Motorist Property Damage?
Pays to replace your vehicle when you are hit by someone who doesn't have enough insurance.
What are Collision and Uninsured Motorist Property Damage?
The two main coverage's that could pay for your vehicle if you are involved in a hit-and-run accident.
What is Appraisal and Scheduled Personal Property?
The insured has a $20,000 engagement ring. Under the base policy sublimit, coverage for theft of a single item of jewelry is limited to $1,000 per item. If the insured wants high enough limits to cover this valuable engagement ring they need to provide a_____ ____and add the ______ endorsement.
What is property damage liability?
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This covers you if you party too hard one night and crash your car into someones living room.
What is Family Liability?
This will cover you if you are playing touch football in the park with friends and you injure them off premises from your home.
What is Flood Insurance?
This covers you during a heavy rain storm when rain covers your neighborhood and pours into your house.
What is liability Coverage?
This coverage has no deductible.
What is dwelling coverage?
Your freshly groomed tree falls through your roof. This coverage will cover your home.
What is Uninsured Motorist Bodily Injury?
Covers you and your family if you are involved in an accident with a hit-and-run driver.
What is family liability?
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Covers you if your 5 year old son injures another kid and you are sued.
What is Personal Property Coverage?
A home owners insurance policy covers up to 10% of __________ off premises.
What are $5,000, $10,000, $25,000 and $50,000
These are the limits that we can offer clients for water back up coverage.
What is Guest Medical Protection?
Your sister is visiting and falls down the stairs and breaks her leg. This will help pay for her doctors bill.
What is Personal Injury Protection?
When you rear end someone and get whip-lash this covers your loss wages while you heal.
What is Personal Injury?
This coverage will cover libel and slander.
What is Uninsured Motorist Property Damage?
This coverage has a $250 deductible.
What is Residence Glass?
If a window is broken on accident or on purpose, Allstate will pay up to $100 per window, chandelier, or light fixture. There is also no deductible.
There is no coverage.
Your son spreads untrue and devestating rumors about one of his teachers in school. The teacher sues for Slander. What part of the home owners policy would this be covered under?

Insurance Jeopardy

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