10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free MA-PROP questions are organized by exam domain, so you can see how each part of the Massachusetts Property Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A couple owns and occupies a detached single-family home. They want open-peril coverage for the dwelling, other structures, and personal property, subject to policy exclusions. Which homeowners form most directly matches that request?
Correct answer: B - HO-5 Comprehensive Form
An applicant purchases an initial National Flood Insurance Program policy in connection with a mortgage loan closing and completes the application and premium payment at or before closing. When may coverage become effective under the loan-transaction exception?
Correct answer: C - At the time of the loan closing
An owner of a commercial building uses 25% of its total square footage for customary operations; the rest is empty. This condition continues for 70 consecutive days before a covered windstorm damages the roof. Under the standard commercial property vacancy condition, how is the wind loss handled?
Correct answer: D - Otherwise covered, but the loss payment is reduced by 15%
A commercial property policy excludes corrosion but contains an ensuing-loss provision. Corrosion creates a pinhole in a pipe, and escaping water damages finished walls and inventory. No other exclusion applies. Which interpretation is most accurate?
Correct answer: C - The pipe damage remains excluded, while the separate resulting water damage may be covered
A commercial building is valued at $800,000 and is subject to an 80% coinsurance clause. The insured carries a $480,000 limit. A covered loss is $160,000, and the deductible is $2,000. Using required insurance = value × coinsurance percentage, what amount is payable before any other limitation?
Correct answer: C - $118,000
At 4:00 p.m., an eligible homeowner needs coverage effective the next morning for a closing. The producer has express authority from the insurer to bind the risk, and the formal policy cannot be issued until the following week. What should the producer do?
Correct answer: D - Issue a binder stating the essential coverage and effective time
A licensed Massachusetts insurance agency wants to reward its unlicensed receptionist for introducing acquaintances to the agency. The receptionist makes introductions only and does not sell, solicit, or negotiate insurance. Which payment fits the statutory referral-fee exception?
Correct answer: A - A referral fee paid by the agency to its unlicensed employee
A Massachusetts resident producer is completing the first three-year license-renewal cycle. Which continuing-education record satisfies the minimum requirement?
Correct answer: A - 62 total credits, including 4 ethics credits
After a fire loss under a Massachusetts policy subject to the statutory standard fire provisions, the insured receives no written extension, submits the requested sworn proof of loss 75 days after the fire, and files suit 18 months after the loss. Which statement correctly applies the statutory deadlines?
Correct answer: A - The proof is late, but the suit is within the two-year limitation
A Massachusetts landlord owns a pre-1978 two-family residence insured on a personal-lines policy with a $300,000 general liability limit. The property lacks a letter of compliance or interim control. The insurer offers lead-liability buyback when issuing the policy, and the owner accepts 12 days after receiving the offer. Which result follows?
Correct answer: D - The buyback must offer at least $100,000 per occurrence and is deemed effective at policy inception
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