Study Guides
Written to be practiced, not re-read. Each section ends with a question before you move on.
6 guides · 65 built-in checks · 482 exact figures with statute citations
Re-reading is one of the least effective ways to study. These guides interrupt you with questions instead.
Casualty Terms and Provisions: Negligence, Comparative Fault, the Defense Obligation and Other Insurance
Casualty Insurance Terms is 9.5 percent of the 2-20 exam and Casualty Policy Provisions is another 8 percent, so the material in this guide is roughly 17.5 percent of the paper. It is also the block where the printed manuals are most often out of date, because Florida rewrote its tort law with HB 837 in March 2023. Ten cycles cover the four elements of negligence, the damages a liability policy actually pays, Florida's modified comparative negligence bar and the pure comparative rule it replaced, apportionment without joint and several liability, strict and vicarious liability, premises rules, the duty to defend and how an insurer reserves rights, supplementary payments line by line, other insurance and additional insureds, and the Florida deadline, damages and bad faith statutes that sit on top of every liability claim. Every number is cited to the section in force now, with the superseded rule named wherever a study manual still prints it.
Open guideProperty Terms, Valuation, Deductibles and Policy Provisions for the 2-20 Exam
Two blueprint domains sit under this guide: Property Insurance Terms and Related Concepts at 9.5 percent and Property Policy Provisions and Contract Law at 8 percent, so 17.5 percent of the 160 scored questions come from here. It is also the block where Florida law diverges hardest from the national manuals. The Legislature rewrote first-party property law in SB 2-D (May 2022), SB 2-A (December 2022) and HB 837 (2023), and touched it again in 2024. Notice deadlines, claim-handling clocks, roof deductibles and attorney fees all changed, and most study material still prints the superseded numbers. Thirteen cycles cover the vocabulary, the valuation ladder, coinsurance math, every deductible Florida allows, the contract-law doctrines, the policy conditions that decide a claim, and the statutory clock that now runs from the date of loss. Every statutory figure below was checked against the Florida Statutes as published for 2025 and still in force in August 2026. Where a number changed recently, the old number is given too, because that is the distractor the exam writes.
Open guideCasualty Policy Forms for the 2-20 Exam: CGL, Auto, Workers Compensation, Bonds and Umbrella
Types of Casualty Policies, Bonds and Related Terms is 15 percent of the 2-20 exam, the single heaviest general-section domain. Twelve cycles cover the occurrence and claims-made triggers, the CGL insuring agreements and exclusions, commercial and Florida personal auto, the workers compensation policy and Florida chapter 440, surety and fidelity bonds, umbrella and excess, and the specialty casualty lines. Every Florida figure is cited to the statute in force now, and the closing cycle sets each rule the 2022 and 2023 rewrite changed beside the retired rule your manual still prints.
Open guideFlorida Statutes, Rules and Regulations Common to All Lines
Florida law is 36% of the 2-20 exam and this block, the statutes common to all lines, is 15% of it on its own. Ten cycles cover the regulators, transacting and certificates of authority, licensing and prelicensing, appointment and its three termination clocks, agencies and the agent in charge, continuing education and the reporting duties, fiduciary premium money, the unfair methods of competition list, mandatory versus discretionary discipline, and the penalty and civil remedy figures. Every number here is checked against the statute in force now, and the 2022 and 2023 property and casualty rewrites are flagged with the old rule beside the new one.
Open guideFlorida Statutes for Property and Casualty on the 2-20 Exam
Florida law is 36 percent of the 2-20 exam, and this domain is the 15 percent that is specific to property and casualty. It is also the block that national study guides get most wrong, because the Legislature rewrote it in three waves — SB 2-D and SB 2-A in 2022, HB 837 and ch. 2023-130 in 2023 — and manuals printed before those sessions still teach 90-day claim decisions, 3-year notice deadlines, one-way attorney fees and pure comparative negligence. Eleven cycles cover the claim clock and the Homeowner Claims Bill of Rights, the notice bar dates, sinkhole versus catastrophic ground cover collapse, hurricane duration and deductibles, windstorm coverage and mitigation credits, replacement cost and the valued policy law, Citizens and the Hurricane Catastrophe Fund, FIGA, no-fault and the auto statutes, cancellation and nonrenewal notice, and the presuit rules that decide how a dispute reaches court. Every number is cited to the section in force now, and where a figure recently changed the old one is given so you can recognize it as a distractor.
Open guideProperty Policy Forms: the HO Series, the DP Forms, and Florida's Coverage Splits
Types of Property Policies is 14 percent of the 2-20 exam, the largest single general-knowledge domain on the blueprint. Almost every item in it turns on one of two things: which form is on the risk, and what Florida law does to that form once the property sits in this state. This guide walks the ISO homeowners skeleton, the four owner-occupied forms and the two forms with no house of their own, the dwelling program, and then the Florida overlay: hurricane and roof deductibles, the windstorm exclusion, deemed law and ordinance coverage, the condominium split, sinkhole, flood and Citizens. Florida rewrote most of that overlay between 2021 and 2024, so every number here is cited to the section in force now, with the superseded rule named wherever a study manual still prints it.
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