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 KS-PC exam has 154 questions and runs 2 hours 30 minutes.
These 10 free KS-PC questions are organized by exam domain, so you can see how each part of the Kansas Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An owner of a newly renovated home wants the broadest listed standard homeowners form, with open-peril treatment on both the dwelling and unscheduled personal property. The best match is:
Correct answer: B - HO-5 Comprehensive
A covered fire closes a bakery. The next morning, the owner rents temporary ovens to keep filling orders. The standard business income coverage has a 72-hour waiting period, while extra expense coverage has no such waiting period. The oven rental is most accurately treated as:
Correct answer: D - Extra expense that may be covered from the first day, subject to policy terms
Rapid surface-water runoff temporarily inundates the insured home and the neighboring home, but the total flooded area is only 1.6 acres. Under the National Flood Insurance Program definition, the area threshold is:
Correct answer: D - Satisfied because two properties are inundated and one is the insured property
A commercial building is valued at $1,000,000 and is subject to an 80% coinsurance clause. The insured carries $600,000, sustains a $200,000 covered partial fire loss, and has a $5,000 deductible. Ignoring any other limitation, the insurer's payment is:
Correct answer: A - $145,000
A seller transfers title and possession of a warehouse on May 1 but leaves the seller's property policy in force. A fire occurs on May 15. The seller retained no mortgage, leasehold, or other financial interest in the property. The seller's claim should be resolved as follows:
Correct answer: C - Deny the property claim because the seller lacked insurable interest at the time of loss
After everyone is safe, wind damage leaves a roof opening and rain continues to enter the insured building. Before the adjuster arrives, the insured's appropriate next step is to:
Correct answer: B - Arrange reasonable temporary protection, document the damage, and retain expense records
A building owner intentionally sets fire to mortgaged property. The mortgagee had no knowledge of the scheme and complied with every requirement of the standard mortgage clause. The policy permits the insurer to:
Correct answer: A - Deny the owner's claim while preserving the mortgagee's independent protection, subject to the clause
A landscaping company posts an online advertisement falsely stating that a competitor has been cited for fraud. The competitor sues for libel and disparagement. Assuming no applicable exclusion, potential coverage falls under:
Correct answer: C - CGL Coverage B - Personal and Advertising Injury Liability
A consulting firm owns no autos. It rents vehicles for business travel, and employees also use their own cars on company business. To cover both liability exposures under a Business Auto Coverage Form, the firm should select:
Correct answer: B - Symbols 8 and 9
A workers compensation policy has an experience modification factor of 0.82. With all other rating elements unchanged, the 0.82 factor means:
Correct answer: A - Loss experience is better than expected, and modified premium is 82% of manual premium
The KS-PC exam also covers these domains. Drill them in the full free practice test:
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