Free Florida 2-20 Practice Test (2026)
Blueprint-weighted questions drawn from all 9 official domains. Timed at the real exam pace — 1 minute per question. You can pause; progress is saved on this device.
60 questions · 60 minutes
Pass line: 70%, same as the real exam
No feedback until you submit — like the real thing.
About this Florida 2-20 practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 60 minutes — one minute per question. This practice test's pass line is 70%. The real exam has 160 scored questions plus 15 unscored pretest questions in 180 minutes.
You can pause and come back: progress is saved on this device. When you finish you get a score for each area, so you can see where your points are going.
What it covers
| Area | Share of the exam | Practice |
|---|---|---|
| Types of Property Policies | 14% | Practice this area |
| Property Insurance Terms and Related Concepts | 9.5% | Practice this area |
| Property Policy Provisions and Contract Law | 8% | Practice this area |
| Types of Casualty Policies, Bonds, and Related Terms | 15% | Practice this area |
| Casualty Insurance Terms and Related Concepts | 9.5% | Practice this area |
| Casualty Policy Provisions | 8% | Practice this area |
| Florida Statutes, Rules and Regulations Common to All Lines | 15% | Practice this area |
| Florida Statutes, Rules and Regulations Pertinent to Property and Casualty | 15% | Practice this area |
| Additional Florida Statutes, Rules and Regulations | 6% | Practice this area |
5 sample questions
These questions are part of the practice test above. Each answer stays hidden until you open it.
1. A Sarasota homeowner has an unendorsed ISO HO-3. On the same afternoon, a delivery truck backs into the wooden deck attached to her house, and a leaking aquarium in her home office ruins her desk chair. No policy exclusion applies to either event. How does the HO-3 respond?
- A. Both losses are covered, because the HO-3 insures the dwelling and personal property on an open-perils basis.
- B. Neither loss is covered, because the HO-3 insures the dwelling and its contents only against the perils specifically named in the form.
- C. The deck is covered under Coverage A on an open-perils basis, but the chair is not, because Coverage C is named perils.
- D. The chair is covered under Coverage C on an open-perils basis, but the deck is excluded because attached structures are insured under Coverage B.
Show the answer
Answer: C. The defining feature of the HO-3 is its asymmetry: Coverages A (dwelling) and B (other structures) are written on an open-perils (special) basis, so any direct physical loss is covered unless excluded, while Coverage C (personal property) is written on a named-perils basis. Accidental impact by a vehicle is not itself an exclusion, so the deck is covered. Water escaping from a fish tank is not among the perils named for Coverage C, so the chair is not. Option D reverses the two and also misstates Coverage B: a deck attached to the dwelling is part of Coverage A, while Coverage B applies to structures separated from the dwelling by clear space. Only the HO-5 extends open perils to Coverage C.
2. Maria sold her Hialeah home and closed on March 1, but forgot to cancel her HO-3 policy, which she had prepaid through December. On March 20 the house was destroyed by fire. Maria filed a claim under her still-active policy. How should the insurer respond?
- A. Deny the dwelling claim — Maria held no insurable interest in the property at the time of the loss, so there is nothing to indemnify.
- B. Pay the claim: the policy was in force and premiums were fully paid through December, which is all that coverage requires.
- C. Pay the claim to the buyer, because an unendorsed property policy follows the building and transfers automatically at closing.
- D. Pay Maria the full Coverage A limit and then subrogate against the buyer's own homeowners insurer, since the buyer became the party at risk on the March 1 closing date.
Show the answer
Answer: A. For property insurance, insurable interest must exist at the time of the loss. Maria's financial stake ended at closing on March 1, so the March 20 fire caused her no loss and there is nothing to indemnify. (Contrast life insurance, where insurable interest need only exist at inception.) A property policy is a personal contract that does not automatically transfer with the deed — assignment requires the insurer's written consent — so the buyer has no claim either and must rely on his own coverage. Maria would be entitled to a return of unearned premium, not a loss payment.
3. A fire destroys an insured Jacksonville dwelling. The insurer's investigation establishes that the named insured deliberately set the fire, and it denies his claim for arson. First Coast Bank is named as mortgagee in the declarations under the standard mortgage clause and is owed $210,000. What is the insurer's obligation to the bank?
- A. None — a mortgagee named in the declarations takes exactly the rights of the named insured, so a valid arson denial against the owner extinguishes the bank's claim under the same policy.
- B. The insurer must still pay the bank to the extent of its interest, because the mortgage clause is a separate contract.
- C. The bank must first complete foreclosure and take title, and only then may it present a claim as owner of the damaged property.
- D. The bank may recover only the unearned premium on the voided policy, and must pursue the insured personally for the balance of the debt.
Show the answer
Answer: B. The standard mortgage clause — also called the union mortgage clause — creates a separate contract between the insurer and the mortgagee. The mortgagee's interest is protected even when the named insured's own claim fails because of arson, fraud, or a breach of a policy condition — provided the mortgagee itself meets the three duties the clause imposes on it — since the mortgagee did not commit those acts. Having paid the mortgagee, the insurer receives an assignment of the mortgage to the extent of payment or subrogates against the insured. Contrast the open mortgage clause (also called a loss payable clause), where the mortgagee's rights rise and fall with the insured's — that is what option A describes.
4. A roofing contractor's commercial general liability policy was written on an occurrence form and ran from 1 June 2019 to 1 June 2020. In February 2026 a homeowner sues, alleging water damage that took place in October 2019. The contractor has been insured by three different carriers since then. Which policy is triggered?
- A. The 2019–2020 occurrence policy, because the damage took place during its policy period
- B. The policy in force in February 2026, because that is when the claim was made
- C. No policy, because the 2019–2020 policy expired years before suit was filed
- D. The 2019–2020 policy, but only if an extended reporting period was purchased at expiration
Show the answer
Answer: A. An occurrence form is triggered by when the bodily injury or property damage takes place, not by when the claim is reported. Expiration of the policy does not matter: the 2019–2020 policy responds to October 2019 damage even though the claim surfaces six years later. Extended reporting periods belong to claims-made forms; an occurrence form needs no tail.
5. A guest slips on a wet tile floor in a homeowner's entryway. To recover in a negligence action the guest must establish all four elements. The guest proves the homeowner owed a duty of care, that the floor was left wet and unmarked, and that the wet floor caused the fall — but the guest got up uninjured, needed no treatment and incurred no expense. Which element of negligence is missing?
- A. Duty of care owed to the guest
- B. Breach of the duty of care
- C. Proximate cause linking the condition to the fall
- D. Damages
Show the answer
Answer: D. The four elements of negligence are duty, breach of that duty, proximate cause, and damages. Without an actual, measurable loss there is no cause of action, no matter how careless the conduct was. Here the guest establishes the first three but suffered nothing compensable. This is precisely why a liability policy responds to damages the insured becomes legally obligated to pay — not to careless behavior on its own.