District of Columbia Property & Casualty Insurance License Exam Overview
The District of Columbia Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Department of Insurance, Securities and Banking (DISB). As the nation's capital, DC presents unique insurance opportunities with high-value government contractors, embassies, and dense urban property creating specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout the District—a jurisdiction with approximately 700,000 residents, extremely high property values, and a concentration of professional services that creates substantial P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 125 multiple-choice |
| Scored Questions | 125 |
| Time Limit | 2 hours |
| Passing Score | 70% (88 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $60 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in the District of Columbia?
- High-value market — Extremely high property values and income levels
- Federal concentration — Government contractors need specialized coverage
- Embassy Row — Unique international liability considerations
- Dense urban environment — Specialized property and auto needs
- Competitive compensation — Average P&C agent salary over $75,000
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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
DC-Specific Property Topics:
- DC Property Insurance Facility (FAIR Plan equivalent)
- Urban property risks (theft, vandalism)
- Rowhouse and townhouse coverage considerations
- Condo and co-op insurance (common in DC)
- High-value personal property coverage
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Government contractor coverage
- Professional office 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)
- Government contractor liability
DC Workers' Compensation:
- Required for all employers (no minimum)
- DC Workers' Compensation Act
- Private insurance market
- Self-insurance options available
3. Auto Insurance (25%)
DC Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- DC Motor Vehicle Safety Responsibility Act
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- No-fault PIP coverage ($50,000 minimum)
- Commercial auto insurance
4. DC Insurance Code and Regulations (10%)
DC Official Code Key Provisions:
- Producer licensing requirements (Title 31)
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 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 1-2 | Property insurance fundamentals | 10-12 |
| Week 2-3 | Liability insurance | 10-12 |
| Week 3-4 | Auto insurance and DC requirements | 10-12 |
| Week 4-5 | DC regulations (Title 31) | 8-10 |
| Week 5-6 | 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 DC P&C exam.
DC-Specific Exam Tips
1. Know DC Auto Minimums
DC requires 25/50/10 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $10,000 property damage
2. Master Urban Property Coverage
DC's urban environment creates unique needs:
- High property values — Replacement cost critical
- Rowhouses — Shared wall liability considerations
- Condos/Co-ops — HO-6 policies common
- Theft coverage — Urban crime considerations
3. Understand No-Fault PIP
DC has unique PIP requirements:
- $50,000 minimum PIP coverage required
- Covers medical expenses regardless of fault
- Coordinates with health insurance
- Important for high-traffic urban environment
4. Key Numbers to Remember
| Topic | DC Requirement |
|---|---|
| Auto minimums | 25/50/10 |
| PIP minimum | $50,000 |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Not knowing PIP requirements — DC requires $50,000 minimum
- Skipping urban coverage — Critical for DC market
- Ignoring condo insurance — Very common in DC
- Not knowing auto minimums — DC is 25/50/10
- Underestimating WC rules — Required for all employers
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through DISB online portal
- Complete background check — Required for all applicants
- Pay license fee — $50 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 DC Updates
For 2026, be aware of:
- Urban property coverage changes
- Auto insurance rate adjustments
- PIP coverage updates
- Enhanced consumer protection rules
Start Your DC P&C Insurance Career Today
The DC P&C license opens doors to one of the nation's most affluent and unique insurance markets. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- DC-specific regulations (Title 31)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.