AZ Property & Casualty study plan

Define insurance, risk, peril, hazard, loss, and exposure, and list the characteristics that make a risk insurable.

Distinguish indemnity, insurable interest, utmost good faith, subrogation, and adhesion as they apply to a P&C contract.

Describe Arizona producer licensing, appointment, renewal, continuing education, and recordkeeping duties using the official state licensing outline.

Identify Arizona unfair trade practice violations, including rebating, misrepresentation, commingling, and twisting, and explain the producer's fiduciary duty.

Label the parts of a property policy: declarations, insuring agreement, conditions, exclusions, and definitions.

Compare actual cash value, replacement cost, functional replacement cost, and market value, then compute a settlement under each method.

Calculate coinsurance penalties and apply deductible and limit-of-liability rules to partial and total losses.

Match the HO-2, HO-3, HO-4, HO-5, HO-6, HO-8, DP-1, and DP-3 forms to their eligible insureds and covered perils.

Explain the four elements of negligence and distinguish contributory, comparative, and assumption-of-risk defenses.

Differentiate compensatory, general, special, and punitive damages and identify who may recover in a liability claim.

Map the personal auto policy parts: liability, medical payments, uninsured/underinsured motorist, collision, other-than-collision, duties after loss, and exclusions.

Describe workers compensation benefits, employer's liability, and the exclusive remedy doctrine.

Distinguish absolute, strict, and vicarious liability and explain additional insured status and subrogation rights.

Identify Coverages A through F under a homeowners policy and state the special limits that apply to money, jewelry, firearms, and business property.

Explain Section II Coverage E and F, including defense costs, medical payments to others, and the insured's duty to cooperate.

Explain the standard property exclusions (ordinance or law, earth movement, water damage, neglect, intentional loss, freezing, concurrent causation) and name the endorsements that restore them.

Apply homeowners and dwelling loss facts to select covered versus excluded items and compute the payment.

Break down the commercial general liability policy into Coverage A, B, and C and explain occurrence versus claims-made triggers.

Distinguish per-occurrence limits, general aggregate, products-completed operations aggregate, and personal and advertising injury limits.

Outline the coverages and eligibility rules of the businessowners policy and the commercial package policy, including building, business personal property, and business income.

Describe commercial auto and commercial property coverage forms and list their principal exclusions.

Match common endorsements (additional insured, water backup, scheduled personal property, business income, equipment breakdown) to the gap each one closes.

Explain Arizona financial responsibility requirements and how they interact with personal auto liability and UM/UIM coverage.

Compare inland marine, crime, and dwelling fire coverages and identify which policy responds to a given loss fact pattern.

Solve ten integrated scenario questions that require choosing the correct policy, coverage part, and limit.

Re-teach the five weakest sub-topics from Week 6 by rewriting each rule in your own words and creating a worked example.

Distinguish covered versus excluded perils across HO, DP, PAP, CGL, and BOP without referring to notes.

Recite Arizona regulatory points most often tested: producer authority, premium handling, cancellation and nonrenewal notice, and claim handling standards.

Complete mixed-domain question sets in 15-minute blocks to build pacing.

Complete two full-length timed practice exams simulating exam conditions.

Review every missed item and classify the error as content gap, misread, or guess.

Re-drill all sub-topics that produced more than two missed questions.

Recite the core exam facts - policy structures, limits, exclusions, and Arizona rules - from memory in a 20-minute verbal run-through.