1) How much coverage (in $ amount) for Personal Property while at a residence, away from home of a student, who is insured by the policy? 2) What coverage provides access to a telephone legal helpline for confidential general legal assistance and information relating to any legal or tax problem to help determine your legal rights and options? 3) What is a detached residence located on the same property as the insured primary residence? This can also be called carriage or coach house? 4) Which type of roof does not qualify for preferred rates? 5) What type of condominium where the owners each own their individual lot or plot of land. Any structure built on the land will be the sole responsibility of the owner, and any common land areas or common use structures or recreational buildings will be the responsibility of all owners collectively? 6) What is the minimum dwelling coverage limit for revenue property? 7) What discount/factor available to the children of Wawanesa insureds purchasing their first property and applying for insurance policy with us? 8) What endorsement we provide to a private residence which offers overnight accommodation and breakfast. The insured would not vacate the residence and maximum 4 guests at any one time? 9) What is the maximum of children under the age of two (2) we do accept for home day care coverage? 10) What optional endorsement provides coverage for the sudden and accidental back-up of flow of water into a home through a municipal sewer system, private septic or sump located within the home? 11) What coverage is reserve to accommodate coverage for contents which would not be covered by the standard base policy wording due to the circumstances of their permanent locations? 12) What endorsement is automatically added to all policies. It amends the roof surface basis if settlement to actual cash value if there is evidence of excessive wear and tear or deterioration due to age? 13) When do we apply the Absentee Landlord surcharge? 14) What is the maximum horsepower for Watercraft to extend liability coverage? 15) What is the cost without any deduction for depreciation on the date of the loss or damage, of the lesser of, repairing the personal property with material of similar kind and quality, or new articles of similar kind, quality and usefulness? 16) True or False: Any request to decrease the residence building amount of insurance will be processed with an immediate effective date where the valuation products used is the same as valuation on record. 17) True or False: We require an updated residence valuation (in consultation with the Insured) be completed once every three years for risks insured under our Homeowner product. 18) True or False: If Guaranteed Replacement Cost coverage applies and additions or improvements are made to the residence building that will increase the replacement cost by $10,000 or more, we must be notified within 90 days of the start of work. 19) Renewal- True or False: Any risk with an oil tank that has reached an age that deems the oil tank to be unacceptable will require a full inspection by a qualified licensed contractor or installer to be considered  for continued coverage. The report submitted must provide the condition of the complete system along with the estimate of remaining life span of the tank. Photos will be required. 20) True or False: You may issue a binder for more than a 30 day period. 21) Jen is a first time home buyer- the risk is built in 1901. Electrical is 100amp copper breaker, heating is natural gas, plumbing is copper and rood is metal- all have been updated in 2015. Risk is designated as heritage home. She has 1 mortgage, no auxiliary heating, no business activity on premises. How do you action on this? 22) Sam has an existing homeowners policy with us with and have a home daycare coverage but will be moving to an apartment. She is still taking care of 5 children in total (ages 6-13 year old) including her own. Would she still be qualified and why? 23) Chris has a homeowners and vacation trailer insured with us. He is looking to insured his garden tractor, he uses it on his premises and for personal use only. The value of garden tractor if $12,500 and has 52hp. Can this be added to the policy? 24) Andy has an existing stand alone seasonal dwelling. He wants to add his Rolex watch with the value of $11,000, he also has a copy of an appraisal dated September 2021. Can we add the watch as a scheduled item? 25) Ted is a musician. He purchased a fire resistive condo and looking for an insurance. It will be owner occupied, has 1 mortgage, he's been continuously insured for 5 years and no claims. He is teaching a music lessons. He has 5 students coming to his condo at any one time with a total of 10 pupils. He is teaching on or off premises. How can we go about this request? 26) Sally and John are named insured on their homeowners policy. Sally is now deceased. John still resides at the home. How would we action on this policy? 27) Brad had purchased the home equipment breakdown coverage for his homeowners policy. During the current policy term, his water heater broker down, and he put through a claim. On renewal, would he loose his claims free rating because of this claim? 28) John from Brokerlink called to review a new submission for a mobile home. He has advised the home does not have a CSA label but it is pilings, tied down and skirted. Would we write the risk? Why or why not? 29) Anne has purchased a home in farming area, but she has advised that there is no farming done at the location. Can we write this under personal lines? 30) You are reviewing a NWO seasonal homeowners submission and notice the principal heating source is woodstove. But the home also has a secondary source of heat, which is a natural gas. Would we write the risk? 31) You are reviewing a new revenue property risk that was built in 1970. What surcharge need to be applied to the risk due to its age? 32) When an inspection is done, and there are recommendations that need to be completed, what is the timeline we generally give to have: (a) Urgent recommendation completed? (b) Essential recommendation completed?

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