West Virginia Property and Casualty Licensing Practice Exam

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Prepare for the West Virginia Property and Casualty Licensing Exam with our quiz. Use flashcards and multiple-choice questions with hints and explanations to enhance your preparation. Be exam-ready!

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Which peril is NOT part of the extended coverage perils?

Smoke
Riot
Earthquake
Windstorm

The correct answer is: Earthquake

The correct answer is that earthquake is not included in the extended coverage perils. Extended coverage perils typically include risks beyond the basic perils, such as smoke, riot, civil commotion, and windstorm. However, natural disasters like earthquakes are generally covered under separate policies or endorsements, as they are considered high-risk and can cause significant damage. Insurance policies often require specific earthquake coverage due to the unique nature of the risk, which is not mitigated by standard or extended coverage. Understanding this distinction is crucial for properly assessing policy limits and coverage needs in relation to physical property risks.