Florida Property & Casualty (2-20) License Exam Overview
The Florida 2-20 General Lines Agent Exam is administered by Prometric on behalf of the Florida Department of Financial Services (DFS). Florida has the most demanding pre-licensing requirement in the nation at 200 hours, reflecting the state's complex insurance landscape with hurricanes, flooding, and sinkholes.
Passing this exam qualifies you to sell property, casualty, and auto insurance in Florida—the 3rd largest state with over 22 million residents and one of the most challenging insurance markets in the nation.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 200 multiple-choice |
| Time Limit | 3 hours |
| Passing Score | 70% (140 correct answers) |
| Exam Fee | $47 |
| Pre-licensing Education | 200 hours required |
| Testing Vendor | Prometric |
| License Term | 2 years |
Why Get P&C Licensed in Florida?
- Third-largest state — Over 22 million residents
- Unique market — Hurricane, flood, sinkhole coverage
- Citizens Insurance — State insurer specialization
- High demand — Constant coverage needs
- Year-round business — No seasonal slowdown
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Key Topics Covered on the Exam
1. Property Insurance (35%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 forms
- Coverage A through F breakdown
- Hurricane deductibles (2-10% of Coverage A)
- Roof coverage limitations
Citizens Property Insurance Corporation:
- Florida's insurer of last resort
- Eligibility requirements
- Coverage limitations vs. private market
- Clearinghouse process
- Citizens surcharges and assessments
Flood Insurance (NFIP):
- National Flood Insurance Program
- Flood zones and requirements
- Building and contents coverage
- Waiting periods and limitations
- Private flood alternatives
Sinkhole Coverage:
- Catastrophic ground cover collapse
- Sinkhole loss coverage (optional)
- Testing and investigation requirements
- Florida-specific regulations
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability coverage
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Professional liability (E&O)
- Products and completed operations
- Contractual liability
Workers' Compensation:
- Florida requirements
- Construction industry rules
- Premium calculation
- Experience modification
3. Auto Insurance (20%)
Florida No-Fault System:
| Coverage | Requirement |
|---|---|
| Personal Injury Protection (PIP) | $10,000 (mandatory) |
| Property Damage Liability (PDL) | $10,000 (mandatory) |
| Bodily Injury Liability | Not required |
Key Florida Auto Concepts:
- PIP covers 80% medical, 60% lost wages
- No mandatory bodily injury coverage
- Financial responsibility only after accident
- Uninsured motorist coverage optional
- Florida Motor Vehicle No-Fault Law
Additional Auto Topics:
- Stacking of UM coverage
- Non-owned auto coverage
- Florida assigned risk pool
4. Florida Insurance Code (10%)
Key Chapters:
- Chapter 624 (General provisions)
- Chapter 626 (Producer licensing)
- Chapter 627 (Rates and contracts)
- Chapter 628 (Insurers)
Florida-Specific Regulations:
- Citizens eligibility rules
- Hurricane deductible requirements
- Sinkhole coverage mandates
- Assignment of benefits (AOB) reforms
Prohibited Practices:
- Rebating and inducements
- Misrepresentation
- Twisting and churning
- Unfair claims practices
- Unlicensed activity
5. Ethics and General Insurance (5%)
Producer Responsibilities:
- Fiduciary duties
- Premium trust accounts
- Client disclosure requirements
- Surplus lines placement
Continuing Education:
- 24 hours every 2 years
- 4 hours Florida law required
- 3 hours ethics required
- DFS-approved providers only
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-3 | Property insurance, Citizens, hurricane | 20-25 |
| Week 3-5 | Liability insurance and workers' comp | 18-22 |
| Week 5-7 | Auto insurance and no-fault | 15-18 |
| Week 7-8 | Florida Insurance Code | 12-15 |
| Week 8-10 | Practice exams and review | 15-18 |
Total recommended study time: 80-100 hours (plus 200-hour pre-licensing)
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Florida-Specific Exam Tips
1. Master Citizens Property Insurance
Citizens is heavily tested:
- Know eligibility requirements
- Understand clearinghouse process
- Coverage limits vs. private market
- Surcharges and assessments
- When Citizens must be offered
2. Understand Hurricane Deductibles
Florida's unique deductible structure:
- Separate deductible for hurricanes
- Usually 2%, 5%, or 10% of Coverage A
- Applies once per hurricane season
- Different from named storm deductibles
3. Know Florida No-Fault Auto
Florida's auto system is unique:
- PIP mandatory ($10,000)
- PDL mandatory ($10,000)
- Bodily injury NOT required
- Understand the 80%/60% PIP formula
4. Key Numbers to Remember
| Topic | Florida Requirement |
|---|---|
| Passing score | 70% (140/200) |
| Pre-licensing | 200 hours |
| License term | 2 years |
| CE requirement | 24 hours/2 years |
| PIP minimum | $10,000 |
| PDL minimum | $10,000 |
Common Mistakes to Avoid
- Underestimating 200-hour requirement — Plan months ahead
- Missing Citizens details — Major exam topic
- Confusing hurricane deductibles — Different calculation
- Forgetting no BI requirement — Florida is unique
- Ignoring sinkhole coverage — Florida-specific
- Not practicing enough — 200 questions is extensive
After Passing Your Exam
- Submit license application to DFS
- Pay license fee ($52 for 2 years)
- Complete background check (fingerprinting $50)
- Obtain appointment from insurance carrier
- Maintain CE requirements (24 hours/2 years)
- Begin your insurance career in Florida
2026 Florida Updates
For 2026, be aware of:
- Citizens reform updates
- AOB (Assignment of Benefits) changes
- Hurricane coverage developments
- Roof coverage limitations
Start Your Florida P&C Career Today
The Florida 2-20 General Lines license opens doors to serving one of the nation's most unique and challenging insurance markets. With proper preparation for the 200-hour pre-licensing and comprehensive exam, you can pass on your first attempt.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Citizens Insurance specifics
- ✅ Hurricane deductible coverage
- ✅ AI-powered study assistance
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