TN Property & Casualty study plan

Map each Dwelling policy form (DP-1, DP-2, DP-3) to its named perils, valuation method, and key exclusions

Distinguish the six HO forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) by occupancy, perils basis, and eligibility

Label Coverage A through F limits, the 80% replacement-cost condition, and how deductibles apply to each coverage part

Calculate a coinsurance penalty and a loss-settlement figure for an underinsured dwelling from written fact patterns

Outline Commercial Property coverage parts: building, business personal property, personal property of others, and the causes-of-loss forms

Differentiate BPP, business income with extra expense, and the period of restoration in a written commercial scenario

Identify the standard property exclusions (ordinance or law, earth movement, water damage, vacancy) and the endorsements that buy them back

Explain coinsurance, agreed value, and reporting forms as they apply to commercial property rating

Break down the Personal Auto Policy by coverage part: liability, medical payments, uninsured/underinsured motorist, physical damage, and duties after loss

Apply Tennessee financial responsibility minimums and the state's UM/UIM requirements to written fact patterns

Determine fault and coverage outcomes for 10 given auto claim scenarios, including non-owned auto and delivery exclusions

Contrast PAP eligibility definitions (resident relative, newly acquired auto, temporary substitute) with commercial auto coverage

Identify the commercial general liability Coverage A and B triggers and the insuring agreement language for bodily injury and property damage

Distinguish occurrence from claims-made forms and explain retroactive dates and extended reporting periods

Classify common commercial liability coverages: CGL, umbrella/excess, professional, and employers liability

Summarize workers compensation Part One and Part Two obligations and the exclusive-remedy concept under Tennessee law

Outline Tennessee producer licensing requirements: prelicensing education, exam, appointment, renewal, and continuing education hours

List the acts that constitute rebating, twisting, misrepresentation, and unauthorized insurer activity, and the penalties attached to each

Explain the Tennessee guaranty association, cancellation and nonrenewal notice rules, and unfair claim settlement practices

Apply the elements of an insurance contract - offer, acceptance, consideration, legal purpose, competent parties - plus the concepts of indemnity, insurable interest, and utmost good faith

Separate the property perils of fire, lightning, windstorm, hail, and explosion from the standard exclusions list, and state the reasoning behind each exclusion

Explain actual cash value, replacement cost, agreed value, and market value, and select the correct method for a given policy form

Define negligence elements, the reasonable-person standard, proximate cause, and the common liability defenses of comparative negligence and assumption of risk

Identify tort concepts including libel, slander, invasion of privacy, and the intentional-act exclusions found in liability policies

Solve integrated multi-domain scenarios in which a loss triggers both property and liability coverage questions and a licensing or notice issue

Re-drill the two weakest topic areas identified by prior quiz scores until accuracy exceeds 85%

Memorize the numeric thresholds most often tested: Tennessee minimum limits, HO percentage limits, CE hours, and notice periods

Practice reading a policy declarations page and endorsement set to extract limits, deductibles, and modified exclusions without prompt cues

Complete two full-length timed practice exams under test-day conditions with no notes

Categorize every missed item by domain and root cause: content gap, misread question, or calculation error

Re-review only the highest-frequency missed concepts and the memorized numbers sheet

Confirm exam-day logistics: appointment, identification, and permitted materials