General lines agents, customer representatives and adjusters 24
A company adjuster needs to inspect a Florida insured's damaged property. How much notice must the insured get before the inspection is scheduled?F.S. 626.854
A Florida adjuster's license is suspended. What may that person still do on an open claim?F.S. 626.878(3)
A Florida customer representative has one year of responsible duties while licensed and appointed. How many hours of approved coursework then qualify that person for a general lines license?F.S. 626.732(1)
Absent a declared emergency, how long does a Florida insured have to cancel a public adjuster's contract without penalty?F.S. 626.854
For how long after a policy expires must a Florida agent keep the records of that policy?F.S. 626.748
How many hours of approved coursework does section 626.732 set for a Florida personal lines agent license?F.S. 626.732(2)
How many hours of approved coursework must an applicant for a Florida general lines agent license have completed, absent qualifying experience or a CPCU designation?F.S. 626.732(1)
How must a Florida customer representative be paid?F.S. 626.7354(3)
How soon must a Florida public adjuster answer an insured's written request for claims status?F.S. 626.854
Show all 113 questions (104 more)
General lines agents, customer representatives and adjusters, continued
Of the coursework for a Florida general lines agent license, how many hours must be on the subject of ethics?F.S. 626.732(1)
On which days and hours may a Florida public adjuster solicit an insured?F.S. 626.854
On whose behalf does a Florida all-lines adjuster determine the amount of a claim?F.S. 626.8548
Under Florida law, for whom does a public adjuster prepare or file an insurance claim?F.S. 626.854
What happens to the license of a Florida agent who shares commissions in violation of section 626.753?F.S. 626.753(4)
What is a "brokering agent" under Florida's exchange of business law?F.S. 626.752(1)
What is the most a Florida public adjuster may charge on claim payments for an event the Governor declared a state of emergency, for claims made in the year after the declaration?F.S. 626.854
Where may a Florida customer representative transact insurance?F.S. 626.7354(4)
Which Florida adjuster is "appointed and employed on an insurer's staff of adjusters"?F.S. 626.856
Which kind of insurance is outside the definition of a Florida general lines agent in section 626.015?F.S. 626.015(7)
Which line can a Florida customer representative's license never cover?F.S. 626.7354(1)
Who answers for a Florida customer representative's acts within the scope of the appointment?F.S. 626.7354(5)
Who appoints a Florida customer representative?F.S. 626.015(6)
With whom may a Florida general lines agent share a commission?F.S. 626.753(1)
Within what period before the application is filed must a Florida general lines applicant have met the coursework or experience requirement?F.S. 626.732(1)
Cancellation, nonrenewal and premium financing 24
A check for the initial premium on a Florida policy is dishonored and notice is sent by certified mail. Within how many days after the notice is sent, at the latest, must the nonpayment be cured to keep the contract from being void?F.S. 627.4133(1)
A Florida auto policy is written with no fixed expiration date. For the cancellation law, as what policy period is it treated?F.S. 627.728(1)
A Florida casualty policy is canceled in its first 60 days for a reason other than nonpayment or misrepresentation. What notice applies?F.S. 627.4133(1)
A Florida insurer cancels a commercial property policy for nonpayment of premium. How much written notice is required?F.S. 627.4133(1)
A Florida insurer fails to give the 45-day notice of nonrenewal on a casualty policy. How long does the coverage stay in effect, if the insured buys no replacement?F.S. 627.4133(1)
After a Florida commercial casualty policy has been in effect 60 days, which of these is a ground on which the insurer may still cancel it?F.S. 627.4133(1)
Before a Florida premium finance company asks the insurer to cancel a financed policy, how much written notice of its intent must it mail to the insured?F.S. 627.848(1)
Before a new Florida private passenger auto policy takes effect, how much premium must ordinarily have been collected from the insured?F.S. 627.7295(7)
Besides the first-named insured, who must receive a Florida auto insurer's notice of cancellation?F.S. 627.728(3)
By when must a Florida policy be mailed, delivered or electronically transmitted to the insured?F.S. 627.421(1)
During a new Florida auto policy's first 30 days, when may the insurer cancel it for nonpayment of premium?F.S. 627.7295(4)
For what shortest term may a Florida motor vehicle policy with personal injury protection ordinarily be issued?F.S. 627.7295(2)
How far ahead must a Florida insurer tell a condominium unit owner the renewal premium?F.S. 627.4133(2)
How much advance notice must a Florida auto insurer give of its intention not to renew?F.S. 627.728(4)
How much advance written notice of nonrenewal must a Florida insurer give the first-named insured on a commercial liability policy?F.S. 627.4133(1)
How much notice must a Florida insurer give before it nonrenews a homeowner policy?F.S. 627.4133(2)
How much notice of cancellation does section 627.728 require on a Florida private passenger auto policy, when the reason is not nonpayment?F.S. 627.728(3)
In the first two months of a Florida motor vehicle policy, which event lets the insured cancel it?F.S. 627.7295(3)
What is the largest per-policy fee a Florida general lines agent may charge for selling a policy that covers only personal injury protection and property damage liability?F.S. 627.7295(5)
What is the maximum yearly service charge a Florida premium finance company may contract for, before the one-time additional charge?F.S. 627.840(3)
What is the most a Florida premium finance agreement for household purposes may charge as a delinquency and collection charge on a late installment?F.S. 627.841(1)
What must accompany every Florida notice of nonrenewal or cancellation?F.S. 627.4091(2)
Which of these is a ground on which a Florida auto policy in force more than 60 days may be canceled?F.S. 627.728(2)
Which of these may a Florida auto insurer not use as the entire basis for refusing to renew?F.S. 627.728(4)
Claims: property claim deadlines and unfair practices 15
A Florida insurer's adjuster generates a detailed estimate of the loss. How soon must a copy go to the policyholder?F.S. 627.70131(3)
A Florida liability insurer learns of a coverage defense. Within how many days must it give the named insured written notice of reservation of rights?F.S. 627.426(2)
A Florida property claim is barred unless notice was given to the insurer within what time after the date of loss?F.S. 627.70132(2)
After a declared emergency, by how much at most may the Office of Insurance Regulation extend the period for payment or denial of a Florida property claim?F.S. 627.70131(5)
After a Florida insurer receives proof-of-loss statements, how soon must it begin its investigation?F.S. 627.70131(3)
Before filing suit under a Florida property insurance policy, how far ahead must the claimant give the department written notice of intent to initiate litigation?F.S. 627.70152(3)
For a Florida hurricane claim, what is the "date of loss" that starts the notice period?F.S. 627.70132(3)
How long after the date of loss does a Florida policyholder have to give notice of a supplemental property claim?F.S. 627.70132(2)
How soon must a Florida insurer review and acknowledge a communication about a claim?F.S. 627.70131(1)
If a Florida residential property claim calls for a physical inspection, by when must the insurer conduct it?F.S. 627.70131(3)
On the insured's written request, how soon after proof-of-loss statements are completed must a Florida insurer affirm or deny coverage, to stay clear of the unfair claim settlement list?F.S. 626.9541(1)
What must the adjuster assigned to physically inspect a Florida home give the policyholder?F.S. 627.70131(3)
When may a Florida auto insurer add a premium surcharge solely because the insured was in an accident?F.S. 626.9541(1)
Which dispute is outside Florida's property insurance mediation program of section 627.7015?F.S. 627.7015(1)
Within how many days after notice of a Florida residential property claim must the insurer pay or deny it, absent factors beyond its control?F.S. 627.70131(7)
A Florida home shows only settling and cracking of its foundation. Is that a loss from a catastrophic ground cover collapse?F.S. 627.706(2)
A Florida insurer has no written refusal from the homeowner of the offered coverages. What is the policy deemed to include?F.S. 627.7011(2)
Before issuing a Florida homeowner's policy, to what share of the dwelling limit may the law and ordinance coverage the insurer offers be limited?F.S. 627.7011(1)
How does a Florida property insurer treat coverage for sinkhole losses?F.S. 627.706(1)
How does section 627.4025 define "hurricane coverage" in a Florida residential policy?F.S. 627.4025(2)
How long after the last hurricane watch or warning for any part of Florida ends does the hurricane's duration end?F.S. 627.4025(2)
How much property loss assessment coverage, at least, must a Florida condominium unit owner's residential policy include?F.S. 627.714(1)
Under Florida's flood insurance statute, a "flood" is a general and temporary inundation of how much normally dry land?F.S. 627.715(1)
What is the largest deductible that may apply to a Florida unit owner's loss assessment coverage per direct property loss?F.S. 627.714(1)
What must a Florida residential property rate filing include for homes with fixtures shown to reduce windstorm loss?F.S. 627.0629(1)
What must every individual Florida condominium unit owner's residential property policy say about other insurance on the same property?F.S. 627.714(4)
When does the duration of a hurricane begin, for Florida residential policies?F.S. 627.4025(2)
Which coverage must every insurer authorized to transact property insurance in Florida provide?F.S. 627.706(1)
Which hurricane deductible amounts must a Florida insurer offer before issuing a personal lines residential property policy?F.S. 627.701(3)
Which is one of the four results that together make a "catastrophic ground cover collapse" in Florida?F.S. 627.706(2)
Which sinkhole deductible amounts may a Florida residential property policy include?F.S. 627.706(1)
A Florida owner has no required security in effect at the time of an accident. What does section 627.733 say of that owner?F.S. 627.733(4)
A nonresident's motor vehicle has been in Florida for how long before the owner must maintain the required security?F.S. 627.733(2)
A provider determines that a Florida accident victim did not have an emergency medical condition. To what amount is personal injury protection reimbursement for services and care limited?F.S. 627.736(1)
A vehicle is leased for one year or longer and the lessor provides the liability coverage. Who in Florida has the sole privilege to reject uninsured motorist coverage?F.S. 627.727(1)
After how long are Florida personal injury protection benefits overdue?F.S. 627.736(4)
Every owner of a motor vehicle registered in Florida must be able to respond in damages for property of others in one crash in what amount?F.S. 324.022(1)
How is uninsured motorist coverage left off a Florida policy that provides bodily injury liability coverage?F.S. 627.727(1)
How often, at least, must Florida personal injury protection disability benefits be paid?F.S. 627.736(1)
In a Florida negligence action, a party is found more than 50 percent at fault for his or her own harm. What may that party recover?F.S. 768.81(6)
On what basis does a Florida court enter judgment against each liable party in a negligence action?F.S. 768.81(3)
Under Florida's definition of proof of financial responsibility, what is the amount for bodily injury to or death of one person in any one crash?F.S. 324.021(7)
What amount does section 324.021 set for bodily injury to or death of two or more persons in any one crash?F.S. 324.021(7)
What combined single limit policy also satisfies Florida's financial responsibility for property damage under section 324.022?F.S. 324.022(1)
What death benefit does Florida personal injury protection pay per individual?F.S. 627.736(1)
What is the limit of medical and disability benefits under Florida personal injury protection?F.S. 627.736(1)
What other coverage must a Florida policy that provides personal injury protection also provide?F.S. 627.7275(1)
What share of lost gross income do Florida personal injury protection disability benefits pay?F.S. 627.736(1)
What share of reasonable, medically necessary expenses do Florida personal injury protection medical benefits pay?F.S. 627.736(1)
Which deductible amounts must a Florida insurer offer on personal injury protection?F.S. 627.739(2)
Within how many days after the accident must an injured person receive initial services and care for Florida personal injury protection medical benefits to apply?F.S. 627.736(1)
Surplus lines, Citizens and joint underwriting 7
A Florida retail agent charges a per-policy fee for placing a surplus lines policy. What does section 626.916 require of the fee?F.S. 626.916(3)
At renewal, an authorized insurer offers to cover a Citizens policyholder's primary residence. When does the risk stay eligible for Citizens?F.S. 627.351(6)
Compared with authorized insurers, what must be true of the premium rate at which Florida coverage is exported to a surplus lines insurer?F.S. 626.916(1)
For Citizens Property Insurance Corporation, how much of each year must a policyholder or tenant occupy a dwelling for it to be a "primary residence"?F.S. 627.351(6)
What does the disclosure a Florida insured acknowledges before a surplus lines placement say about an insolvent unlicensed insurer?F.S. 626.916(1)
What kind of body is the Florida Surplus Lines Service Office?F.S. 626.921(1)
Which Florida insurers must subscribe to the automobile joint underwriting plan the office approves?F.S. 627.311(3)
Florida Insurance Guaranty Association 7
After a Florida insurer is determined insolvent, new claims arising within how many days are still within the guaranty association's obligation?F.S. 631.57(1)
An insolvent Florida insurer owed penalties and interest on a late claim. Is the guaranty association liable for them?F.S. 631.57(1)
Below what amount must a covered claim fall for the Florida Insurance Guaranty Association's general obligation to apply?F.S. 631.57(1)
For a claim to be a "covered claim" of the Florida Insurance Guaranty Association, where must the claimant or insured live at the time of the insured event, if the property is not permanently located in Florida?F.S. 631.54(4)
How is the Florida Insurance Guaranty Association's limit worked out on a covered property claim under a condominium association's policy?F.S. 631.57(1)
How much more does the Florida Insurance Guaranty Association provide on a homeowner's policy for damage to the structure and contents?F.S. 631.57(1)
What is the most the regular assessments against a Florida insurer may be in one calendar year for one account of the guaranty association?F.S. 631.57
How this list was compiled: The 2026 Florida Statutes, chapters 324, 626, 627, 631 and 768, on Online Sunshine, the Florida Legislature's own site (https://www.leg.state.fl.us/statutes/), read on October 12, 2026. Each question names its section and links to it. The topics follow the part "Florida Statutes, Rules and Regulations Pertinent to General Lines Insurance" (15 percent) of the content outline "Florida Agent's General Lines Insurance" (160 scored questions plus 15 pretest questions, time limit 3 hours) in the Florida Insurance Examination Content Outlines, effective January 1, 2026, issued under the name of the Chief Financial Officer; the Department of Financial Services links the outlines and the candidate handbook from its exam page, https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/exams (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121003.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Florida property and casualty insurance practice test asks the Florida statutes part of the general lines agent exam: 113 free questions, each with its section. No policy forms. Not affiliated with the Florida Department of Financial Services.
Read the full guide
2-20 license Florida practice test: the general lines law part
The Department's license sheet gives the resident general lines license the type and class 2-20. The content outlines effective January 1, 2026 give 15 percent of the scored questions, 24 of them, to Florida law pertinent to general lines insurance, and another 15 percent to law common to all lines. The seven groups follow the general lines part.
What this Florida test leaves out
The general knowledge parts (policy types, terms and provisions), the health insurance part and the rules of the Florida Administrative Code are not asked. Law common to all lines, such as agent licensing and unfair trade practices, is on the Florida life and health page.
Property claims: acknowledge in 7 calendar days, pay or deny within 60 days; claim notice within 1 year of the loss (F.S. 627.70131, 627.70132).
Nonrenewal notice: 120 days for residential property, 45 days for auto and for commercial property and casualty (F.S. 627.4133, 627.728).
Personal injury protection: $10,000 limit, 80 percent of medical expenses, 60 percent of lost income, $5,000 death benefit (F.S. 627.736).
Questions and answers
How many questions are on the Florida 2-20 general lines exam?
The outlines list 160 scored questions plus 15 pretest questions and a time limit of 3 hours. The candidate handbook gives the passing score for all examinations as 70 percent.
Is this Florida insurance property casualty practice test the real exam?
No. The questions are our own, written from the Florida Statutes. This site has never seen the state exam, and the Department of Financial Services did not write or review them. Exam mode draws 24 questions, the size of the general lines law part.
What Florida law does this practice test cover?
General lines agents, customer representatives and adjusters, cancellation and premium financing, property claim deadlines, hurricane, sinkhole and flood law, no-fault and financial responsibility, surplus lines, Citizens and the Florida Insurance Guaranty Association.
What are Florida's minimum auto insurance requirements?
Personal injury protection of $10,000 and property damage liability of $10,000 (F.S. 627.736, 324.022). Proof of financial responsibility means $10,000 for one person, $20,000 for two or more and $10,000 for property (F.S. 324.021).