Rhode Island Insurance Adjuster Exam

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Prepare for the Rhode Island Insurance Adjuster Exam with multiple-choice questions and detailed explanations. Enhance your readiness and confidence for the exam!

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What does the 'limited breakage coverage' provision in a Personal Effects Floater indicate?

Full repairs for all damages
Coverage for only certain items
No coverage on fragile items
Limitation on how much can be claimed

The correct answer is: No coverage on fragile items

The 'limited breakage coverage' provision in a Personal Effects Floater indicates that there is a specific limitation regarding coverage for fragile items. This means that claims for damage to these items may not be fully covered, reflecting the understanding that certain items, due to their nature, are more susceptible to breakage and may not be covered under the standard terms of the policy. This provision serves to clarify the extent of coverage and protect the insurer against excessive claims for inherently fragile items. It is essential for policyholders to understand this limitation to adequately prepare for the potential risks involved with their belongings.