Kentucky Property & Casualty Insurance License Exam Overview
The Kentucky Property & Casualty Insurance License Exam is administered directly by the Kentucky Department of Insurance (KDOI) through their eServices system. Kentucky offers a unique insurance market spanning urban centers like Louisville and Lexington to rural communities with coal mining and agricultural operations.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Kentucky—a state with approximately 4.5 million residents, diverse weather risks, and industries from bourbon distilleries to coal mining that create varied P&C insurance needs.
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 | KDOI (state-administered) |
| Exam Fee | $50 |
| Pre-licensing Education | 20 hours required |
Why Get P&C Licensed in Kentucky?
- Growing metro areas — Louisville and Lexington expanding
- Diverse economy — Healthcare, manufacturing, bourbon, coal
- Unique risks — Mine subsidence, flooding, severe weather
- Lower cost of living — Competitive market for agents
- Competitive compensation — Average P&C agent salary over $54,000
Start Your FREE Kentucky P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Kentucky 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
Kentucky-Specific Property Topics:
- Kentucky FAIR Plan (residual market)
- Mine subsidence coverage (coal mining regions)
- Flood insurance (Ohio River valley)
- Tornado and windstorm coverage
- Ice storm damage coverage
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
Kentucky Workers' Compensation:
- Required for most employers
- Competitive state (private market)
- Coal mining special requirements
- Self-insurance options available
3. Auto Insurance (25%)
Kentucky 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
- Kentucky Motor Vehicle Reparations Act
- Basic reparations benefits (BRB) - no-fault provisions
- Uninsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Kentucky Insurance Code and Regulations (10%)
Kentucky Revised Statutes Chapter 304 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 KY requirements | 10-12 |
| Week 4-5 | Kentucky regulations (KRS 304) | 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 Kentucky P&C exam.
Kentucky-Specific Exam Tips
1. Know Kentucky Auto Minimums
Kentucky requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Understand Mine Subsidence Coverage
Kentucky's coal mining history creates unique risks:
- Mine subsidence — Ground settling from abandoned mines
- Separate endorsement — Often not included in standard policies
- Eastern Kentucky — Highest risk areas
- Kentucky Mine Subsidence Insurance Fund — State program
3. Master Flood Coverage
Kentucky has significant flood exposure:
- Ohio River valley — Major flood risk
- Flash flooding — Mountain and valley areas
- NFIP policies — Federal flood insurance program
- Elevation certificates — Required documentation
4. Key Numbers to Remember
| Topic | Kentucky 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
- Ignoring mine subsidence — Unique KY risk many overlook
- Underestimating flood exposure — Ohio River valley significant
- Not knowing no-fault provisions — Kentucky has BRB requirements
- Confusing auto minimums — Kentucky is 25/50/25
- 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 Kentucky DOI online 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 Kentucky Updates
For 2026, be aware of:
- Mine subsidence coverage updates
- Flood insurance rate changes
- Auto insurance rate adjustments
- Enhanced consumer protection regulations
Start Your Kentucky P&C Insurance Career Today
The Kentucky P&C license opens doors to a diverse insurance market in the Bluegrass State. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Kentucky-specific regulations (KRS 304)
- Study guides and summaries
- AI-powered study assistance
Do not pay for expensive prep courses when everything you need is available FREE.