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.
The GAPC exam has 135 questions and runs 2 hours 30 minutes.
These 10 free GAPC questions are organized by exam domain, so you can see how each part of the Georgia Property & Casualty Agent Exam blueprint is tested. Reveal the answer and explanation under each question.
A homeowner with an eligible owner-occupied house wants the dwelling, detached structures, and personal property covered for accidental direct physical loss unless a policy exclusion applies. Which homeowners form most directly matches that request?
Correct answer: C - HO-5, which uses an open-peril basis for buildings and personal property
A covered fire damages a bakery. During the period of restoration, the owner loses net income, continues paying rent and key salaries, and rents a temporary kitchen to keep part of the business operating. How should these amounts be classified?
Correct answer: A - Business Income covers net income and continuing expenses; Extra Expense covers the temporary kitchen
A river overflows and temporarily inundates normally dry land occupied by the insured home and one neighboring parcel. The total affected area is 1.4 acres. Does this event meet the National Flood Insurance Program definition of flood?
Correct answer: D - A flood, because two properties are inundated and one is the insured property
A commercial building has a replacement value of $1,000,000 and an 80% coinsurance requirement. The insured carries a $600,000 limit. A covered partial loss costs $200,000 to repair, and the deductible is $5,000. Assuming the standard coinsurance provision applies and the limit is not otherwise exhausted, what amount is payable?
Correct answer: B - $145,000
An underwriter inspects a restaurant and finds deteriorated wiring with exposed conductors. Two months later the wiring arcs and starts a fire. In insurance terminology, how should the wiring and the fire be classified?
Correct answer: B - The wiring is a physical hazard; the fire is the peril
An insurer agrees that hail damage is covered but values the roof loss at $18,000; the insured's contractor estimates $31,000. Neither side disputes the cause of loss or the existence of coverage. Which policy mechanism is designed to resolve this disagreement?
Correct answer: D - Appraisal, because the only dispute is the amount of a covered property loss
An insurer increases a homeowner's renewal premium based partly on an insurance score obtained from a consumer reporting agency. Which disclosure is required under the Fair Credit Reporting Act?
Correct answer: A - An adverse-action notice naming the agency, stating it did not decide the rate, and explaining the dispute and 60-day free-report rights
A claims-made CGL policy runs from January 1 through December 31, 2026, with a retroactive date of January 1, 2024. Bodily injury occurred in June 2023, and the claimant first makes and reports the claim in March 2026. No prior-acts endorsement applies. What is the coverage result?
Correct answer: C - Not covered, because the bodily injury occurred before the retroactive date
A consulting firm rents a van for a week and also sends an employee on company errands in the employee's own car. Under the Business Auto Coverage Form, which symbol pairing addresses these liability exposures?
Correct answer: A - Symbol 8 for the rented van and Symbol 9 for the employee-owned car
A contractor has a workers compensation manual premium of $50,000 and an experience modification factor of 0.80. Before other credits, debits, or charges, which statement correctly interprets the factor and the modified premium?
Correct answer: D - $40,000; the factor shows losses were better than expected
The GAPC exam also covers these domains. Drill them in the full free practice test:
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