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 TXGLPC exam has 145 questions and runs 2 hours 30 minutes.
These 10 free TXGLPC questions are organized by exam domain, so you can see how each part of the Texas General Lines - Property & Casualty Agent Exam blueprint is tested. Reveal the answer and explanation under each question.
The condominium association insures the exterior structure. A buyer who will occupy one unit wants protection for personal property, interior additions and alterations, loss assessment, loss of use, and personal liability. Which homeowners form matches the buyer's exposure?
Correct answer: C - HO-6 Unit-Owners Form
For 75 consecutive days, only 20% of a building has been rented and used by a lessee or used by the owner for customary operations. A covered fire then damages the building. Assuming a standard commercial property vacancy condition, what effect does vacancy have on the otherwise covered loss?
Correct answer: A - Reduce the payment by 15%; fire is not a barred vacancy peril
Unusual and rapid surface-water runoff temporarily inundates 0.7 acre of normally dry land. The water covers the insured home and one neighboring home, but no other property. Under the National Flood Insurance Program definition, how is this event classified?
Correct answer: D - It is a flood because two properties, one insured, were inundated
At the time of a covered partial loss, a commercial building is valued at $800,000 and is subject to an 80% coinsurance condition. The insured carries a $480,000 limit, the loss is $120,000, and the deductible is $2,000. The policy limit is not otherwise restrictive. What amount is payable?
Correct answer: B - $88,000
When a restaurant manager notices a loose stair rail but postpones repairs because liability insurance will handle any injury claim, the rail is a physical condition. The manager's attitude, however, is best classified as:
Correct answer: B - Morale hazard
Firefighters have extinguished a warehouse fire and authorized entry. Rain is entering through an opening in the roof, and the insured asks whether everything must remain untouched until the adjuster arrives. Under standard post-loss duties, what should the agent advise?
Correct answer: D - Use reasonable temporary protection and keep records of the expense
Coverage and causation are undisputed after wind damages a roof, but the insurer and insured disagree sharply over the reasonable repair cost. There is no allegation of fraud. Which policy mechanism addresses this disagreement?
Correct answer: A - Appraisal to determine the amount of loss
Consider a claims-made CGL policy effective January 1 through December 31, 2025, with a January 1, 2023 retroactive date and a 12-month extended reporting period. A customer sustained bodily injury from the insured's operations in June 2024, and the claim was first made and reported in March 2026. No exclusion applies. How does coverage respond?
Correct answer: C - Coverage applies because both the retroactive-date and reporting-period tests are met
During a bank-deposit errand requested by her employer, a sales employee drives her own sedan. The employer wants business auto liability coverage for this use. Which Business Auto Coverage Symbol identifies the vehicle?
Correct answer: C - Symbol 9 - Nonowned autos only
The project is complete, but the general contractor has not paid an electrical subcontractor or several material suppliers. What bond is intended to protect those unpaid parties?
Correct answer: B - Payment bond
The TXGLPC exam also covers these domains. Drill them in the full free practice test:
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