Homeowners Insurance Exam: Policy Types Overview

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Hi, I am Melissa, the Insurance Exam Queen. I’m the most requested Exam Prep Instructor in the U.S. and have helped thousands of people pass their Property & Casualty and Life & Health insurance exam with ease.
With a long string of ONLY 5 star reviews, I've become known for my casual and simple teaching style, and my students love the fun memorization techniques, charts, graphs and other visual aides I use to help you understand the material.
Most of my students pass their 1st or next time after going through one of my Class Series Packages. I simplify everything, tell you what to study, and even include everything from Study Notes to my own personal Practice Test to help you focus ONLY on what you need to know in order to pass the test.
View my packages here: www.insuranceex...
Join my free support group here: / 1082073882582049
Subscribe to my KZbin Channel: / @insuranceexamqueen
If you love ALL the fun details and back story...keep reading.
In my years of working for companies like United Healthcare and Hagerty where I was the most requested instructor, I determined the quickest way to pass the state licensing insurance exam.
My method is to focus on the most tested topics for all four state licensing exams (Property & Casualty, and Life & Health) and knowing and understanding the most tested topics instead of memorizing practice exam questions. (Tip: You should not be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.)
Knowing and understanding the material will serve you far better than multiple hours doing practice questions, which is why my class series packages (see link below) have seriously become a GAME CHANGER for securing that pass!
I get numerous messages each day from delighted students who passed their test after watching my videos and taking my courses that explain how to pass the Property & Casualty and Life & Health state insurance exams in the simplest of terms.
I would love to help you secure your pass!
Here is the link to view all of my packages: www.insurancee...
My FaceBook Group is a great resource as well: / 1082073882582049
Subscribe to my KZbin Channel: / @insuranceexamqueen
Thank you for viewing and subscribing, and I look forward to seeing you in my Facebook group or in one of my Class Recording packages!

[@alexc.8372]

Your videos are insanely helpful.

[@insuranceexamqueen]

AWESOME!

[@reginadickerson9803]

Hello "Insurance Exam Queen". Your Videos are Awesome 👌 Can you share your knowledge on how to complete some Personal Auto, Property and Life insurance Applications Ex: NYS

[@victoriadefreece4464]

Trick for HO 8, the house is "ancient"/very old example. ---->"8"cient

[@insuranceexamqueen]

Love this!

[@gabyesquivel03]

Passed my p&c exam on the 1st try thanks to your videos! The information didn’t start to click until I found your channel. Thank you :)

[@insuranceexamqueen]

Fantastic!

[@eduardoestrada2500]

Hey gaby I’m taking the Texas p&c exam soon do you have any pointers on it or how you studied and what helped you

[@lola-dn6zj]

@@eduardoestrada2500how did u do? I’m taking Texas exam as well

[@FiestaPopBalloons]

I just failed my exam !! And this was the reason i failed, HO3,4,5… Taking the test again next week. Hope i pass.

[@insuranceexamqueen]

You got this! If you send your score sheet to me on Voxer I can analyze it for you. Also check out my classes for sale

[@JimiN3wtr0n]

I hope you passed

[@michaelcadena6155]

I failed too. Because of HO lol

[@kittyposey-qh6nt]

Really

[@rondalmoore479]

@@insuranceexamqueenI’m in NC can you analyze my failed exam

[@jgamer2228]

Your videos have helped me more than the entirety of the 70+ pages of study material ever would

[@kaycayce9214]

This saved me from reading so many chapters!! God bless you 💗

[@insuranceexamqueen]

You're welcome!

[@JohnJohnson-kt3hx]

Took my property and casualty exam today. This video literally saved me. I passed on the first try. All your videos are very informative. Keep up the good work!

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@JohnJohnson-kt3hx]

Thank you again. I left a review. @@insuranceexamqueen

[@tonyawilridge5987]

I am in TX and I just wanted to say thank you so much Queen! You break everything down in dummy terms in all of your videos and because of this, I was able to pass my exam today on the first try!!!! You are wonderful. You are beautiful! You are so amazing! Thank you for all that you do!

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@Sarah-sh3hf]

I’m so glad I found your channel! I’m a visual learner and the vast amount of reading text is not serving me well. I’m so thankful for your videos! They take chapters I’ve read several times now and makes it simple and easy to understand. THANK YOU!

[@insuranceexamqueen]

Yes!!!

[@vincentle2279]

Lady: I want to thank you. I took Examfx and I watched your vidoes. I passed PC on the first attempt. Your vidoes had help me a lot. Again, Muchas gracias. Vincent from California

[@insuranceexamqueen]

YAY!! CONGRATS!

[@AlexiLaihoFan]

My exam is in a week and TWO of my licensed coworkers sent me this video as a solution to the difficult time I'm having understanding HO and Dwelling. I just subscribed to your channel. Thank you for the content!

[@insuranceexamqueen]

FANTASTIC!

[@jenniferferson7346]

Girl you are an absolute gem. I can't even begin to thank you for all your videos. This one though was life changing for me. I could NOT get the homeowners to stick and I was so confused! I watched your video on Monday and took my P&C yesterday. First thing on my "provided" dry erase pad at the test was write this chart from my memory of this video. Well it helped because I passed first try. Thank you so much for your videos. I'm sure I'll be watching you again when I have to get my next test! Just FYI Missouri had TONS of questions on homeowners. Lol.

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@reginaldjett5647]

So glad I found this channel. I took my test today and only passed the casualty portion. I'm taking the property portion again next week. Had I found this video and the other one helping explain these policies I wouldn't need to take another test next week.

[@insuranceexamqueen]

I am glad you're here! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@moreofagil8501]

I just passed the exam. The first try after watching your videos I scored 66% and the 2nd attempt pass! I didn’t pass the first attempt after you videos b/c of 4 adjuster questions I needed to study again on. Thank you so much for all you do! It is extremely helpful.

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@moreofagil8501]

@@insuranceexamqueen I surely will leave a 5 star review! Thank you again.

[@ciarasheraebrown]

Girl! You are SAVING MY LIFE!!!!!!!! Thank you!!!!! I have to take the NC P&C Exam soon and my instructor has overwhelmed me! Why can’t she just say it like you?! Lol. She makes NO sense to me but you are amazing! Thank you! Thank you! Thank you!

[@insuranceexamqueen]

Haha! You're welcome!!

[@jasminemarecia]

Did you pass ?

[@karenhernandez8955]

Here for 2 things, to let you know I passed my Personal Lines exam in Wisconsin!! and to thank you for helping me get here. I watched almost all of your videos faithfully. You were a big part of the reason why I passed 🙌🏼❤️❤️❤️

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@anthonyestevez11]

I passed my nj exam!!! Thank you so much for your videos. Simplified everything on the policy chapter and I didn’t have to go crazy learning everything on that super long chapter. I actually aced the policy section of the exam. So thank you so much for your help!!!

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@LifewithTaraC]

Hey there, I gotta say your videos have helped me retain so much information vs all my course materials on examfx . I’m scheduled for my state exam on the 23rd of Sept. and I gotta say I was struggling memorizing and retaining policy types in HO after this video I completely understand now. Thank you ❤

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/ It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. facebook.com/share/XbF6toywYh315Hca/or State Exam Requirements: prepare2pass.com/requirements Watch the videos on repeat and write down all notes that melissa has provided We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to. pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI Melissa always recommends that you do not focus your learning or majority of your energy on over-testing and over-quizzing. It is so much more important to make sure you are understanding the concepts rather than memorizing questions or placing your energy there and getting upset if you are not seeing the scores you're hoping for. You got this, go back through that section in Melissa's course and take notes, focus on her memory techniques. The questions will start to make sense as you understand the material more. The Queen's Class Series is designed to replace the majority of your reading inside your state-approved course. We highly recommend completing the Queen’s entire class series BEFORE doing your state-approved course. if you have already completed your state-approved course, simply watch all the videos in the package from top to bottom. If you are still going through your course, we recommend stopping your course for a moment and going through the Class Series videos from top to bottom, and then you'll be able to breeze through your state-approved course. You can attempt to watch the videos along with your course, but every provider has a different way of setting up their chapters. Write out all the notes watch all the videos on repeat I am sending you all the loves and vibes to pass the exam

[@p.m.victoriapatterson8082]

I am studying now for my exam. Your video helped me more than an hour of reading due to the colors and concepts you used. I feel I recognize you from the online training videos in my class. Nevertheless, well done. Great personality keep up the good work.

[@insuranceexamqueen]

I am in some Examfx videos!

[@Lmarimarre]

I really love this break down on the homeowner's policy which was one of my biggest challenges on the practice tests

[@insuranceexamqueen]

YAY! I am glad to be of service!

[@Mano_on_Point]

Same here. Thank you!

[@kaycayce9214]

Me too!!

[@saidaalvarenga4542]

Thank you so much. Your videos helped me on my test. I passed the Property! Greetings from NJ!

[@insuranceexamqueen]

Yes congrats!! I'd love a review if you're able! Insurance Exam Queen maps.app.goo.gl/SjrvYbSNEn6Nez916

[@deeznutzdanzie]

taking my exam for the 5th time today, hoping and praying i pass!!! you're the absolute best❤

[@insuranceexamqueen]

Sending you all the love and all the vibes to pass!

[@deeznutzdanzie]

@@insuranceexamqueen thank you so much!! i failed, but i signed up for your Platinum course!! i'm in Texas, im SO excited to have access to all the courses💖❤️

[@samanthaortiz1368]

I literally have taken multiple courses and still never understood the policies because of the way they describe it. Thank you sooooo much hopefully I pass tomorrow

[@insuranceexamqueen]

You got this! Keep us posted!

[@monicjacquez9223]

I started kaplan mid June and nothing was sticking. Started to add your videos at the end of every unit in Kaplan and it's amazing how you translate insurance into regular language!

[@insuranceexamqueen]

I am so glad! Which state? Which exam?

[@brianaroberts16]

Me and my friends passed our exam because of your videos ❤️ I passed June 6th one of my friends passed June 21st and my other friends passed today!! Georgia and Michigan thank you so much ❤️❤️❤️

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@ryanlewis4693]

I just took my P&C Exam here in NY State & passed first attempt. Your videos were great for me to watch at night while studying during the day. You explain pretty dull information in a very lively & fun way. Thanks so much!

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@ryanlewis4693]

@@insuranceexamqueen of course!

[@christopherhernandez5641]

Can I just say how perfect you explained it I’ve been struggling to learn this hopefully I can pass my test this Saturday

[@insuranceexamqueen]

Thank you!! What state are you in?

[@BrittneyBailey]

I literally had an EUREKA moment while watching this. Thank you. I retake my exam tomorrow morning.

[@insuranceexamqueen]

FANTASTIC!!

[@-mainstreetflushingqueensNewYo]

She is an outstanding instructor. 🙏

[@insuranceexamqueen]

thats fantastic! We appreciate your business and so glad you passed! If you haven't already we would love a 5 Star Review on our Google that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review Or leave a video testimonial Here - testimonial.to/insurance-exam-queen/all For next steps in building your insurance career, please visit our Sister group: Insurance Sales Queen New Agent Support Her Courses and Resources can be found here: learn.theinsurancesalesqueen.com/courses #motivation #inspiration #support Sending you all the love and good vibes

[@alexandrac3676]

I’m taking like in the next 2 weeks and I’ve been so stuck on this section this really helped clear my mind on the topic, thank you!!!

[@insuranceexamqueen]

I'm so glad!

[@PerlaPreciosa74]

Wow. I am definitely using the videos. I started Webce to go for state of Florida license. I took homeowners' classes and dwelling. It just doesn't stick to my brain u til i found this video. This video explains more on HO. Wow

[@insuranceexamqueen]

You got this!!! Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam! I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material. Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies. Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on. For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril. There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples. For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on. Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access. Bronze is a Basic Review with 8 hours of class recordings. Silver is a Deeper Review with 14 hours of video. Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership. You can find everything here: www.insuranceexamqueen.com/ Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule If you want One-On-One Tutoring you can book with Peter Here: wkf.ms/3LSJC2B If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@VeronicaSaturn]

Oh I could cry you finally got me to understand the differences!!!!

[@mildredmaddox6825]

Thank you thank you. You explain this more than my teacher. It have helped me understand these policies better God bless

[@insuranceexamqueen]

Yes!! Glad to be of service

[@MMM-of4dn]

I can't thank you enough for this video; it helped me break through a wall! I am taking Kaplan Kentucky P&C course and the homeowner's insurance unit made 0% in the text and I kept tanking the quizzes. The way you illustrated it here makes PERFECT SENSE. I don't know why they just didn't explain it this way but I will be watching ALL your P&C videos in the next couple of weeks! Thanks again!

[@insuranceexamqueen]

Go here to view my recommendations for your state exam www.insuranceexamqueen.com/pc-state-recommendations/

[@fauziarizvi3941]

Best teacher I have ever come across.

[@insuranceexamqueen]

hi thank you for reaching out Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/ It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. facebook.com/share/XbF6toywYh315Hca/or State Exam Requirements: prepare2pass.com/requirements Watch the videos on repeat and write down all notes that melissa has provided We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to. pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI I am sending you all the loves and vibes to pass the exam

[@Amy-ld2cd]

Omg Queen you have saved me I have literally been in tears in class not understanding I love the way you break everything down

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@Thewhizardsbrush]

I passed my p&c exam the first time! Your videos helped me out so much. Especially this one!!!!! Thank you so much, Insurance Queen ✨️

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@wagnnerorozco5715]

I passed my Personal lines examen yesterday in California! Wooho Just wanted to come back and thank you, because just videos helped me to undersarnd the concepts. God Bless you!

[@insuranceexamqueen]

Yes!! Congrats!!

[@shearmadness30]

Thank you so much this break down was brief but very detailed. I truly appreciate it 😘

[@insuranceexamqueen]

You are so welcome!!

[@prettyvirgo4994]

SAMEEEEEEE

[@Dannyy925]

i have my test tomorrow morning! your vids have helped me so much

[@Dannyy925]

i have failed it before i got 82 correct and 90 is passing 🥲

[@insuranceexamqueen]

That is so close!

[@emanuelcollazo3191]

This have been the simplest way to break this down, like I love this !!

[@insuranceexamqueen]

Fantastic!!

[@jlevs1385]

Thank you for sharing such great content. I'm in the Gold package and you are the BEST! I PASSED Michigan Life & Health with you now on to P&C.

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@nacelylara3189]

You literally explain it so well!!!! I was having a very hard time understanding these HO # but I got it now!! THNAK YOU!!

[@insuranceexamqueen]

You're welcome. Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@somebody2409]

All the stuff that want you to memorize is absolutely insane omg

[@insuranceexamqueen]

I mean, do you want to pass? Lol.

[@somebody2409]

@@insuranceexamqueen Yeah, I'm just throwing a fit and need to shut up lol.

[@insuranceexamqueen]

@@somebody2409 I promise, the more you listen to my stuff, and the way that I explain things, it'll be easy to memorize what you need to, or at least your brain will be able to recall the information much easier

[@SerenityRox]

Exactly. Especially the little time they want to give you to pass it had to quit to learn it without the pressure can’t do tests like that 😅

[@somebody2409]

@@SerenityRox I had to take the exam 3 times until I passed. First time I made a 68. 2nd time I made a 67. 3rd time I made a 74. Just passed it a few hours ago.

[@rrjmflores]

Taking my Test Tuesday, I love your videos!!

[@insuranceexamqueen]

You can do it!

[@Koko-ms6vi]

I am so glad i found your videos, i am struggling studying for AINS 102 and these are awesome. The way you explain is so helpful!!!!

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@sagittarusbeauty440]

Amazing info. Now it’s starting to make more sense. I will be testing this coming Saturday. God willing I will pass. Thank you so much

[@insuranceexamqueen]

Yes!! What state are you in?

[@sagittarusbeauty440]

Texas

[@ViperFPV]

Thanks! Just passed my NY adjuster exam. Was using insurance schools for my testing. But your content so much easier to follow. Thank you

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@KablanSoto]

Pase el examen P&C en NY al primer intento y la manera mas sencilla y facil de aprenderme esto fue este video! Saque 139/150 🎉 suscribe she deserves it!

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@tavias.forrest6836]

Melissa your concept is SUPER effective!

[@insuranceexamqueen]

Awesome!!

[@Taliz303]

Im so thankful I found you! Taking my test next month!

[@insuranceexamqueen]

Yes! Which state??

[@user-gi8gl3rq5g]

OMG!!! THANK YOU!!!!! You are better than Kaplan. Thank you! Makes sense now.

[@Rudeboyken]

Thank you so much made this material so easy to digest 🙏 ready for my test on Wednesday

[@insuranceexamqueen]

You got this!

[@Rudeboyken]

@@insuranceexamqueen I passed yesterday thank you so much!

[@-mainstreetflushingqueensNewYo]

Outstanding instructor. 🙏

[@insuranceexamqueen]

thats fantastic! We appreciate your business and so glad you passed! If you haven't already we would love a 5 Star Review on our Google that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review Or leave a video testimonial Here - testimonial.to/insurance-exam-queen/all For next steps in building your insurance career, please visit our Sister group: Insurance Sales Queen New Agent Support Her Courses and Resources can be found here: learn.theinsurancesalesqueen.com/courses #motivation #inspiration #support Sending you all the love and good vibes

[@huntermanecke817]

huge test tomorrow and i failed the first time im watching your videos hoping i pass

[@insuranceexamqueen]

First, I want you to know you’re not alone. Many people fail the exam multiple times before they get a pass and that is one the biggest reasons why The Insurance Exam Queen exists. We want to make it easy for people to pass. This is why we have created the Gold Class Series package that teaches the most common, most tested topics in ways that are enjoyable and easy to understand and memorize. Second, go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/

[@Irishrose5424]

i take my test Monday you are a huge help pray for me

[@insuranceexamqueen]

You got this!!

[@stacyveloz5385]

I’m so happy I found you!!!! I saw you on my exam FX videos. I love your explanations! Thank you!

[@insuranceexamqueen]

That's me😍

[@rochellerobinson5702]

Thankful for this channel currently in training struggle.. found your channel 💡

[@insuranceexamqueen]

You're welcome! What state are you in?

[@laurab9518]

Thank you this is helping and fun recap to reinforce it in my mind

[@insuranceexamqueen]

Yes!!

[@anarelyscamargo-rl6mf]

The class they give you through dhorn is litterally them reading the book out loud but not elaborating anything I was confused for 8 hours waste of time. Makes you think you can't do it but you videos definitely make ot seem so much simpler and to think we are paying the state to just read what we already can read on our own. I'm in Illinois BTW and this my third time taking it and finally understanding thanks to these videos

[@insuranceexamqueen]

Hello! I am Melissa, the Insurance Exam Queen. Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam! I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 900 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material. Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies. Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on. For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril. There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples. For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on. Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access. Bronze is a Basic Review with 8 hours of class recordings. Silver is a Deeper Review with 14 hours of video. Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership. You can find everything here: www.insuranceexamqueen.com/ Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule If you want One-On-One Tutoring you can book with Peter Here: forms.gle/jq8xmyLSGUCfUgoY9 If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@carlosthomas689]

At 7:40, you mentioned that every other policy includes THEFT except H08. I was taking a practice exam on ADBanker and it states that; THEFT is a additional coverage. Here's the question in its entirety: R owns a home insured on an HO-3 policy and rents out a suite over a detached garage to tenants. R's furniture used to furnish the suite is: A is the answer according to ADP Covered up to $2,500 as an Additional Coverage B Protected against theft for up to $2,500 C Subject to a Coverage C special limit of liability of $3,000 D Considered property not covered under Coverage C

[@insuranceexamqueen]

This is about landlord furnishings. When you furnish a rental the MAX coverage on that furniture is $2500

[@wtolar25]

Mobile home question on test ask about “expected loss after an incident and also a jet ski getting stolen. I am A gold member and thank u

[@insuranceexamqueen]

Ask this question in the FB group where others who are studying can also give the way of how to retain the information. If you are not in the facebook study group yet, I highly suggest joining: facebook.com/groups/1082073882582049/

[@arc-sd8sk]

the test was easy-it's the job that's hard! thanks for the great explanation

[@insuranceexamqueen]

You're welcome!

[@terranesha5784]

😳

[@susancrawford7021]

You're a walking blessing

[@insuranceexamqueen]

Awww thank you! So glad you found the page :)

[@amroncolyer6783]

THIS was the explanation I needed! Ty

[@insuranceexamqueen]

Fantastic!

[@levonveal7236]

I passed this part of the PSI...it's the auto policies....and I know the info....but the questions are nothing like what I studied. You really have to know the info in detail. I retake my exam on the 28th

[@insuranceexamqueen]

That's why I focus on the material and not questions

[@levonveal7236]

@@insuranceexamqueen it's a must. I go back on the 28th to retake my exam. Lord, I pray I pass! Thank you 😊!

[@terrybraxton5083]

T THANK YOU SO MUCH. YOU MADE THIS SO EASY TO UNDERSTAND,

[@insuranceexamqueen]

Yes!!

[@FabFitnMore]

you are amazing !! so happy I found you!!

[@insuranceexamqueen]

Me too!!

[@cristinafigueroa3915]

❤ Your an amazing teacher!

[@insuranceexamqueen]

Thank you!

[@jimmyjohndavid8206]

Thank you so much for all your amazing videos!!! I just passed the Texas P&C exam! The way you explain everything makes everything much easier to understand. Thank you!!!

[@insuranceexamqueen]

Fantastic!!!

[@yomomma8680]

I'm taking the same test today🫣

[@eduardoestrada2500]

Hey jimmy im taking the p&c exam of Texas soon is there any pointers you can give me or how you studied and what helped you?

[@DrMarcusCHS]

Fantastic video, you are the best!!!!

[@insuranceexamqueen]

Thank you!!

[@camilamartins357]

Hi Queen! Thanks to you I passed my exam on the first try. I’m completely lost now on how to be appointed by the insurance companies and how to start my own business. Do you have tips?

[@insuranceexamqueen]

I would ask this is Mary's group insurance sales queen, my expertise ends at the exam Insurance SALES Queen FB Group Link m.facebook.com/groups/182500334498475/?mibextid=SDPelY

[@bridghitsviews5843]

This is great!!!

[@insuranceexamqueen]

Awesome!

[@gominrawrrr]

Omg makes so much more sense than my courses 😅

[@insuranceexamqueen]

Yes!!

[@reshadsofizada7370]

great videos and good explanations! thanks

[@insuranceexamqueen]

Glad you like them!

[@michaelcarlorivera4296]

Very Nicely Explained. Thanks

[@insuranceexamqueen]

You are welcome

[@michaelcarlorivera4296]

@@insuranceexamqueen Oh do you have any tips? I am going to take the Maryland Adjuster Licensure Exams.

[@insuranceexamqueen]

@@michaelcarlorivera4296 so I am not familiar with the adjusters exam, but I've had a lot of adjusters who use my content. They basically tell me that the adjusters exam is very similar to the property and casualty exam within that state, but there's just some extra adjusting stuff. With that said, I'm going to drop a description below about what is important for the property and casualty exam in your state

[@insuranceexamqueen]

@@michaelcarlorivera4296 Hello! I am Melissa, the Insurance Exam Queen. Short answer: Get My Royal Treatment Class Series, they all cover the most tested topics across all the states. Bronze is a Basic Review, Silver is a deeper Review and Gold is the most in depth classes, plus student notes and questions. Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial! You can find everything here: www.insuranceexamqueen.com/ Longer Answer: I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should not be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 80 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, I use a lot of charts and graphs as visuals to help you understand the material. Below, I have written up what is most important for your state exam, and where you should spend your time during your studies. The major things to know are General Insurance, PC Basics, Dwelling, Homeowners and Auto. These categories require memorization of names, amounts, some math, and a working understanding of how this type of insurance works. General Insurance is the foundational chapter and when you know it well, it helps with all the other chapters. Most states will range in how much this chapter is tested typically being around 5% to 10%, but since it’s the foundation for all else, you want to be decent in knowing these terms, especially anything related to contract law. All my Royal Treatment Class Series include a General Insurance Terms Class. PC Basics is one of the most important chapters and can be up to 20% of the state exam. This chapter covers Policy Structure, Policy Provisions, and lots of definitions. All my Royal Treatment Class Series include a PC Basics Class. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on policy names, policy coverages and amounts, which are named or open peril. All my Royal Treatment Class Series include a Dwelling and Homeowners Class. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples. Now, in most states you do not need to know Commercial Policies to be able to pass, but it’s great to have some working knowledge to secure points in that chapter. If you’re in Alabama, you definitely need commercial as it’s 26% of your exam! Commercial is hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on. For Auto insurance, you’ll get tested on both Personal Auto and Commercial Auto. Personal Auto is easier, so make that your focus. Memorize the parts of an auto policy, how to respond in an accident and definitions like split limit and per occurrence. All my Royal Treatment Class Series include an Auto Class that tells you what to focus on. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. Click here to access my Royal Treatment Class Series Options: www.insuranceexamqueen.com/ After watching the classes,if you still need help to further lock in the knowledge that you need to understand, memorize and retain, you can book one-on-one or group sessions with Angela the Ultimate Study Buddy here:calendly.com/ultimatestudybuddy My FaceBook Group is a great resource as well: facebook.com/groups/1082073882582049 My KZbin Channel, Please make sure to subscribe: kzbin.info/door/2-mT7QUl_jHYQRIaw0Ihpg You can access my Property and Casualty Notes Here: docs.google.com/document/d/1baXCPssWRMbt_0oTI5IcJMmTIrne7hD1OJsLhLrK8Ew/edit You can access free games to play to test your knowledge here: create.kahoot.it/profiles/e702b5f0-560e-4c2a-9c74-3327e0f6125d If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@devonymichelle]

Very helpful! Thank you!

[@insuranceexamqueen]

You're welcome!

[@darkjedi572]

This was really helpful!

[@insuranceexamqueen]

awesome!

[@darkjedi572]

@@insuranceexamqueen passed my exam yesterday 🙌

[@insuranceexamqueen]

@@darkjedi572 FANTASTIC!

[@kylahcooke3008]

@@darkjedi572 What would be a good overview of the exam! What did you see most? I take mine in a week!!?

[@darkjedi572]

@@kylahcooke3008 I took the exam in Rhode Island. Honestly, understanding the HO’s and the terminology was key. Also state laws was a whole 30 question section.

[@randawilkerson1519]

These have been super helpful!!

[@insuranceexamqueen]

AWESOME!

[@lonewolf30531]

Thank you !

[@insuranceexamqueen]

You're welcome!

[@meganconchola6587]

What HO form would a building owner file if a oil drip in condo ruined counter tops and floors?

[@insuranceexamqueen]

If you want that covered, you would need to have an open peril policy like an Ho3 or Ho5

[@irfantariqarbi]

very nice demonstration Thank you

[@insuranceexamqueen]

You are welcome

[@laurahalpern4101]

I passed first time took CT exam in 43 minutes!!

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@dianitamore]

Thanks for all your help. What is the difference between an HO-4 for Renters and HO-6 for Condo, if I am renting out a condo? Would I still use HO-6? or HO-4? or both?

[@insuranceexamqueen]

Neither if you are the owner you would need a dwelling policy (landlords policy) HO 4 and HO6 are for the tenants

[@marcuschurch367]

I watched a video of yours and I hope you can help. I almost passed my first time but then got further away my second time and now I feel the info is going in one eye and out the other retina lol I'm in Louisiana and I'm studying for the life, health and accident.

[@insuranceexamqueen]

Hello! I am Melissa, the Insurance Exam Queen. Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam! I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material. Below, I have written up what is most important for your state exam, and where you should spend your time during your studies. The easiest and most tested chapters are General Insurance, Life Basics, Life Provisions, Term vs Whole, Annuities, Health Basics, Health Provisions, Disability Insurance, Medical Plans and State Law and I cover all of them in my Royal Treatment Class Series. General Insurance is the foundational chapter and when you know it well, it helps with all the other chapters. Most states will range in how much this chapter is tested typically being around 5% to 10%, but since it’s the foundation for all else, you want to be decent in knowing these terms, especially anything related to contract law. With the life and health exam, there are separate chapters that make up the content when you look at the exam breakdown. What I like to do since I know and understand the information within all of the chapters, is to focus on the content that is the same between life and health. This way you get to double dip on your learning, and not be overwhelmed with all the things you have to know. So first, we focus on the things that overlap. Life Basics and Health Basics overlap as well as Life Provisions and Health Provisions. Both of these chapters almost look identical between life and health, but the life provisions chapter will also include Settlement Options for Life Insurance and Non Forfeiture Options. Life Basics is also known as completing the app and health Basics also known as field underwriting and both chapters are all about the application process an agent goes through when selling a policy as well as the basics of life/health insurance. While you will learn in your studies all about the various life policies, they love to test you on Term Vs Whole and the differences between them more than other life policies. Annuities which are actually the opposite of life insurance requires mostly knowing all the definitions, Annuitant, Annuitization, Accumulation, etc. Next up are provisions. While there are different provisions in life and different provisions in health, many of them will overlap. Provisions are things that kind of set the rules for how policies work and a good amount of them are simply definitions, and many do require memorization of numbers. Provisions also tends to be one of the largest chapters on all state exams, sometimes even up to 25% or more of the exam is just on provisions. For health, they really like you to know the difference between HMO and PPO, as well as a good understanding of disability insurance. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. Right now, I have three options for the Royal Treatment Life and Health and both come with 100 Day Access. The Sliver Life and Health Series will cover a simple review of the most tested topics across all states. The Gold Life and Health Series will cover an in depth review of the most tested topics across all states. Personal Platinum is Gold + Silver + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial! Additionally, as part of Platinum you get to attend all classes I host for Life and Health for free during your 100 days access. Plus you’ll have access to previous Boot Camp recordings that are not available anywhere else. You can find everything here: www.insuranceexamqueen.com/ Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule If you want One-On-One Tutoring you can book with Peter Here: wkf.ms/3LSJC2B Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@Drea-mm5gw]

Hello from Alabama I’ve watched a few of your videos and I love them! I’ll be taking my P&C exam soon. I am already licensed in Life and Health and I love what I do. What do I need to focus my studying on for the exam?

[@insuranceexamqueen]

Go here to view my recommendations for your state exam www.insuranceexamqueen.com/pc-state-recommendations/

[@nakkuneknek94]

Thank you Mellisa

[@insuranceexamqueen]

You're very welcome. Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@YagwitOG]

I'm failing at random. I passed state H&L and P&C 2 years ago. This time around, nothing is sticking. ADBanker is written very strangely. I know the state asked except and all questions, but ADB paragraphs seem really convoluted. Yesterday I failed 2,3&10. Today I failed 4, 6, & 10. I've read the book (this session) 4 times. Test is tomorrow if work allows. I'm sweating bullets.

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@savannahaguilar4539]

im about to take my test & homeowners has been the hardest to understand; after this video now I do😭

[@trishondat100]

helped so much thanks

[@insuranceexamqueen]

Glad it helped! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/

[@jminormedia1025]

Thank You so much!!

[@insuranceexamqueen]

You're welcome!

[@TheVinssc]

Hey Mellisa, am getting start with my preparation for the Property and casualty exam , I live in IL , going though all your videos is much easier, please help me how do I start and where to start from to prepare for the exam. Thank you

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@user-sl9lp5kc3d]

Your amazing !!!!!!!

[@insuranceexamqueen]

Thank you.

[@GotchaplumberGotchahvac]

Good info. Can one study & take test online. How much does exam cost to take? How many parts to exam, how many questions on exam?

[@insuranceexamqueen]

All of those are every State specific. Look at the department of insurance in your state

[@sydneyjorgensen6886]

super helpful!

[@insuranceexamqueen]

Glad it was helpful!

[@-dev870]

Nice

[@insuranceexamqueen]

Thanks

[@dranna90]

I took my exam today, and came across a weird question. The question summarized was if so and so bought a DP 5 on a rental property for 10,000 and had a loss of 3,000 what claim amount would be paid? I flagged the mention of rental, one of the answers was $0 so I chose that one. Not sure if I got it right or not.

[@insuranceexamqueen]

Are you sure it said dwelling policy? 5? A dwelling policy 5 Doesn't exist in my knowledge.

[@nikinice8571]

Hello, can you explain what you mean by naming, do you mean name the perils.

[@insuranceexamqueen]

Perils are either named(specifically named and listed) or open(not listed)

[@sbarrett5324]

What kind of policy would a Duplex be? I am the owner but rent it out to a tenant. I require the tenant to keep renters insurance of their own for their property (part C)

[@insuranceexamqueen]

Most likely a DP-3 - Landlords policy and they have an HO-4, renters

[@NoRestEffect]

In your one video, dwelling policy - you mentioned that the tree will be covered under dp 2 and dp3. Does that mean HO2 is named peril inside and outside?

[@insuranceexamqueen]

Ho2 is named peril in and out, yes