Pass your state P&C insurance licensing exam on the first try. 1,500+ practice questions covering all commercial and personal lines.
The Property and Casualty insurance license exam is required to sell homeowners, auto, commercial, and specialty insurance products in your state. Most states administer the exam through PSI or Pearson VUE testing centers.
The P&C exam covers two main sections: personal lines insurance (homeowners, auto, renters) and commercial lines insurance (commercial property, general liability, workers compensation, professional liability). You must demonstrate knowledge of coverage types, policy provisions, underwriting concepts, and state-specific regulations.
PrepTestAI covers every P&C topic from the difference between occurrence and claims-made policies to the specific coverage forms (HO-1 through HO-8), helping you build the comprehensive knowledge needed to pass on your first attempt.
Our questions cover every topic tested on the Insurance Property & Casualty exam:
Follow these steps to earn your Insurance Property & Casualty credential:
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Everything you need to know about the Insurance Property & Casualty exam:
Most states have 150 questions with a 2.5-hour time limit administered by PSI or Pearson VUE. The passing score is typically 70%. Some states separate the exam into national and state sections that must each be passed independently.
Most candidates find commercial lines coverage forms and the distinction between occurrence and claims-made policies most challenging. Our scenario-based questions help you apply these concepts in realistic situations.
Yes. Many agents hold both licenses. PrepTestAI covers all eight licensing exams and you can switch between them in your dashboard at any time.
The HO-3 is a special form policy covering the dwelling on an open-perils basis and personal property on a named-perils basis. The HO-5 covers both the dwelling and personal property on an open-perils basis, providing broader coverage. This distinction is frequently tested.
Visit your state insurance department website to confirm whether your state uses PSI or Pearson VUE, the exact number of questions, and any state-specific requirements for your licensing exam.
Subrogation is the right of an insurer to pursue a third party that caused an insurance loss to the insured. After paying a claim, the insurer steps into the shoes of the insured to recover costs. This fundamental insurance principle is tested on virtually every P&C exam.
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