Alaska Property & Casualty Insurance License Exam Overview
The Alaska Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Alaska Division of Insurance. Alaska presents unique insurance challenges with its extreme climate, remote communities, and specialized coverage needs that set it apart from the lower 48 states.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Alaska—a state with unique risks including earthquakes, permafrost damage, and harsh winter conditions that create specialized P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 100 multiple-choice |
| Scored Questions | 100 |
| Time Limit | 2 hours |
| Passing Score | 70% (70 correct answers) |
| Testing Vendor | Pearson VUE |
| Exam Fee | $89 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in Alaska?
- Less competition — Smaller agent pool than lower 48 states
- Higher premiums — Unique risks mean higher policy values
- Specialized market — Earthquake and extreme weather expertise valued
- Remote communities — High demand for local agents
- Competitive compensation — Higher cost of living means higher earnings
Start Your FREE Alaska P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Alaska P&C exam prep covers everything you need to pass.
Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Alaska-Specific Property Topics:
- Earthquake coverage (not included in standard HO policies)
- Permafrost and foundation damage
- Freeze damage and pipe bursting
- Remote location coverage considerations
- Alaska FAIR Plan for hard-to-insure properties
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Alaska Workers' Compensation:
- Required for all employers with one or more employees
- Alaska Workers' Compensation Board oversight
- Self-insurance options available
- Special provisions for maritime and fishing industries
3. Auto Insurance (25%)
Alaska Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $50,000 |
| Bodily Injury (per accident) | $100,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Alaska financial responsibility law
- Uninsured motorist coverage requirements
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
- Extreme weather driving considerations
4. Alaska Insurance Code and Regulations (10%)
Title 21 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 20 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check required
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1 | Property insurance fundamentals | 10-12 |
| Week 2 | Liability insurance | 10-12 |
| Week 3 | Auto insurance and AK requirements | 10-12 |
| Week 4 | Alaska regulations (Title 21) | 8-10 |
| Week 5 | Practice exams and review | 10-12 |
Total recommended study time: 50-60 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Alaska P&C exam.
Alaska-Specific Exam Tips
1. Know Alaska Auto Minimums
Alaska has higher auto minimums than most states:
- $50,000 per person bodily injury
- $100,000 per accident bodily injury
- $25,000 property damage
2. Master Earthquake Coverage
Earthquake is a major Alaska exposure:
- Not covered in standard homeowners policies
- Separate earthquake policy required
- High deductibles common (10-20% of dwelling value)
- Tsunami coverage may be included or excluded
3. Understand Extreme Weather Coverage
Alaska's unique climate considerations:
- Freeze damage and frozen pipes
- Permafrost foundation issues
- Ice dam coverage
- Extended heating requirements
4. Key Numbers to Remember
| Topic | Alaska Requirement |
|---|---|
| Auto minimums | 50/100/25 |
| WC threshold | 1+ employees |
| Pre-licensing | 20 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — Alaska is 50/100/25 (higher than most states)
- Assuming earthquake is covered — Requires separate policy
- Ignoring permafrost issues — Unique Alaska property concern
- Not knowing maritime provisions — Important for coastal communities
- Not practicing timed exams — 2 hours for 100 questions
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam
- Apply for license through Alaska Division of Insurance
- Complete background check — Required for all applicants
- Pay license fee — Approximately $100 for resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Alaska Updates
For 2026, be aware of:
- Earthquake coverage rate adjustments
- Climate-related property insurance changes
- Auto insurance rate updates
- Enhanced consumer protection regulations
Start Your Alaska P&C Insurance Career Today
The Alaska P&C license opens doors to a unique insurance market with less competition and specialized needs. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Alaska-specific regulations (Title 21)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.