Kansas Property & Casualty Insurance License Exam Overview
The Kansas Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Kansas Insurance Department (KID). Kansas is located in the heart of Tornado Alley with unique insurance needs driven by severe weather, agricultural operations, and a growing metropolitan Kansas City area.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Kansas—a state with nearly 3 million residents, significant tornado and hail exposure, and a strong agricultural economy that creates 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 | $54-$67 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in Kansas?
- Tornado Alley location — Specialized severe weather coverage needs
- Growing KC metro — Kansas side of Kansas City booming
- Agricultural heartland — Farm and crop insurance opportunities
- Lower competition — Fewer agents per capita than coastal states
- Competitive compensation — Average P&C agent salary over $55,000
Start Your FREE Kansas P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Kansas 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
Kansas-Specific Property Topics:
- Kansas FAIR Plan (residual market)
- Tornado and windstorm coverage (major KS exposure)
- Hail damage coverage (second highest in nation)
- Wind/hail deductibles (percentage-based common)
- Flood insurance in floodplain areas
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
Kansas Workers' Compensation:
- Required for most employers
- Competitive state (private market)
- Self-insurance options available
- Kansas Workers' Compensation Fund
3. Auto Insurance (25%)
Kansas Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Kansas Automobile Injury Reparations Act
- Personal Injury Protection (PIP) requirements
- Uninsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Kansas Insurance Code and Regulations (10%)
Kansas Statutes Chapter 40 Key Provisions:
- Producer licensing requirements
- 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 KS requirements | 10-12 |
| Week 4-5 | Kansas regulations (Chapter 40) | 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 Kansas P&C exam.
Kansas-Specific Exam Tips
1. Know Kansas Auto Minimums
Kansas requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Tornado and Hail Coverage
Kansas is in the heart of Tornado Alley:
- Windstorm coverage — Essential for KS properties
- Hail damage — Kansas ranks second nationally for hail claims
- Percentage deductibles — Common for wind/hail (1-5% of dwelling coverage)
- Debris removal — Important after severe storms
3. Understand Agricultural Insurance
Kansas is a major agricultural state:
- Farm owner policies
- Crop insurance (wheat, corn, soybeans)
- Livestock coverage
- Equipment and machinery coverage
- Farm liability considerations
4. Key Numbers to Remember
| Topic | Kansas Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | Most employers |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Underestimating severe weather — Tornado and hail are primary KS risks
- Confusing deductible types — Know percentage vs. flat deductibles
- Ignoring agricultural insurance — Major part of KS economy
- Not knowing PIP requirements — Kansas has no-fault auto elements
- 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 Kansas Insurance Department portal
- Complete background check — Required for all applicants
- Pay license fee — $30 for 2-year 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 Kansas Updates
For 2026, be aware of:
- Wind/hail deductible regulations
- Tornado coverage rate adjustments
- Auto insurance rate changes
- Agricultural insurance updates
Start Your Kansas P&C Insurance Career Today
The Kansas P&C license opens doors to a unique insurance market in the heart of America. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Kansas-specific regulations (Chapter 40)
- Study guides and summaries
- AI-powered study assistance
Do not pay for expensive prep courses when everything you need is available FREE.