Idaho Property & Casualty Insurance License Exam Overview
The Idaho Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Idaho Department of Insurance. Idaho's rapid population growth and diverse geography create expanding insurance opportunities, particularly in wildfire-prone areas and the growing Boise metro region.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Idaho—a state with approximately 2 million residents, significant wildfire exposure, and a booming housing market that create substantial P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Pearson VUE |
| Exam Fee | $80 |
| Pre-licensing Education | Not required (but recommended) |
Why Get P&C Licensed in Idaho?
- Fastest-growing state — Massive population influx creating insurance demand
- No pre-licensing requirement — Faster path to licensure
- Boise metro boom — Major residential and commercial growth
- Wildfire market — Specialized coverage opportunities
- Business-friendly — Lower regulatory burden than many states
Start Your FREE Idaho P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Idaho 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
Idaho-Specific Property Topics:
- Wildfire coverage (major Idaho exposure)
- Idaho FAIR Plan (residual market)
- Snow load and ice damage
- Flood insurance requirements
- Brush clearing and defensible space
- Rural property considerations
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
Idaho Workers' Compensation:
- Required for most employers
- Idaho State Insurance Fund (competitive option)
- Private carrier market available
- Self-insurance options
3. Auto Insurance (25%)
Idaho Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Idaho financial responsibility law
- Uninsured motorist coverage
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
- Rural and agricultural vehicles
4. Idaho Insurance Code and Regulations (10%)
Idaho Code Title 41 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: Not required
- 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 | 12-14 |
| Week 2-3 | Liability insurance | 12-14 |
| Week 3-4 | Auto insurance and ID requirements | 12-14 |
| Week 4-5 | Idaho regulations (Title 41) | 8-10 |
| Week 5-6 | Practice exams and review | 12-14 |
Total recommended study time: 55-65 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Idaho P&C exam.
Idaho-Specific Exam Tips
1. Know Idaho Auto Minimums
Idaho requires 25/50/15 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $15,000 property damage
2. Master Wildfire Coverage
Idaho's wildfire exposure is significant:
- Forested areas — Major wildfire risk zones
- Defensible space — Brush clearing requirements
- Wildfire mitigation discounts — Available from many carriers
- Evacuation coverage — Loss of use considerations
- Smoke damage — Often excluded, needs endorsement
3. Understand Growth Market Dynamics
Idaho's rapid growth creates opportunities:
- New construction coverage
- Builder's risk policies
- Flood zone changes
- Rural to suburban transitions
4. Key Numbers to Remember
| Topic | Idaho Requirement |
|---|---|
| Auto minimums | 25/50/15 |
| WC threshold | Most employers |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Assuming pre-licensing is required — Idaho does not require it
- Skipping wildfire coverage — Primary Idaho property risk
- Ignoring rural property needs — Significant market segment
- Not knowing auto minimums — Idaho is 25/50/15
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Idaho DOI online portal
- Complete background check — Required for all applicants
- Pay license fee — Approximately $40-60 for 2-year 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 Idaho Updates
For 2026, be aware of:
- Wildfire coverage rate changes
- Population growth impact on premiums
- New construction requirements
- Enhanced consumer protection regulations
Start Your Idaho P&C Insurance Career Today
The Idaho P&C license opens doors to one of the nation's fastest-growing 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
- Idaho-specific regulations (Idaho Code Title 41)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.