State departments of insurance (exams via Pearson VUE or PSI; licensing through NIPR)
Property & Casualty Insurance Exam
Property and Casualty Insurance Producer Licensing Exam
The state licensing exam required to sell property and casualty insurance products as an insurance producer. Includes national/general insurance content plus a state-law portion, and is administered through vendors such as Pearson VUE or PSI.
What's on the exam
Typical state Property & Casualty producer content outline (verify against your state's exam content outline)
General Insurance Concepts
~10%Risk and insurance principles · Insurer types and marketing systems · Producer roles and authority · Contract law basics · Underwriting and the insurance market
Property Insurance Basics
~12%Covered perils and causes of loss · Policy structure and conditions · Insurable interest and indemnity · Coinsurance and valuation · Exclusions and endorsements
Homeowners and Dwelling Policies
~16%Homeowners forms (HO-2 to HO-8) · Dwelling policies · Coverages A–F · Personal liability · Flood and other property forms
Auto Insurance
~14%Personal auto policy · Liability and physical damage coverage · Uninsured/underinsured motorist · Commercial auto · Financial responsibility laws
Casualty and Commercial Lines
~18%Commercial general liability · Businessowners policy (BOP) · Workers' compensation · Commercial property · Crime, surety, and umbrella coverage
Insurance Operations and Ethics
~12%Claims handling · Producer ethics and fiduciary duty · Privacy and anti-fraud requirements · Reinsurance basics · Policy issuance and endorsements
State Laws, Rules, and Regulations
~18%Commissioner duties and licensing · Unfair trade and claims practices · Cancellation and renewal rules · Continuing education and renewal · Penalties and disciplinary actions
Frequently asked questions
How much does the Property & Casualty Insurance Exam cost?
Fees vary. Exam fees commonly run $40–$120 per state, plus separate license/application fees processed through NIPR.
How long is the Property & Casualty Insurance Exam and how many questions does it have?
Varies by state (commonly 100–150 questions across both portions) — Varies by state (commonly 2–3 hours).
What do you need to pass the Property & Casualty Insurance Exam?
Varies by state; commonly around 70%.
Can you retake the Property & Casualty Insurance Exam?
Permitted after a state-set waiting period; rules vary by state.
What is the best way to study for the Property & Casualty Insurance Exam?
Study the official blueprint, not random material: the exam is weighted by domain (General Insurance Concepts ~10%, Property Insurance Basics ~12%, Homeowners and Dwelling Policies ~16%, Auto Insurance ~14%, Casualty and Commercial Lines ~18%, Insurance Operations and Ethics ~12%, State Laws, Rules, and Regulations ~18%). Spaced-repetition flashcards built domain-by-domain against that blueprint are the most time-efficient way to cover everything the exam tests.
Program in development
We're building a blueprint-complete program for this exam. Meanwhile, explore live programs across 11 exam.
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