Maryland Property & Casualty Insurance License Exam Overview
The Maryland Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Maryland Insurance Administration (MIA). Maryland presents a diverse insurance landscape with Chesapeake Bay coastal exposure, urban risks in Baltimore, and proximity to the Washington D.C. metropolitan area.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Maryland—a state with over 6 million residents and strong insurance demand driven by its affluent population, coastal properties, and major metropolitan areas.
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 | Prometric |
| Exam Fee | $54 |
| Pre-licensing Education | 60 hours required |
Why Get P&C Licensed in Maryland?
- Affluent market — High median income means significant assets to insure
- D.C. metro proximity — Access to federal workers and contractors
- Diverse risks — Coastal, urban, and suburban exposures
- Higher pre-licensing — 60 hours gives you competitive edge
- Competitive compensation — Average P&C agent salary over $68,000
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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
Maryland-Specific Property Topics:
- Maryland FAIR Plan (residual market)
- Chesapeake Bay coastal property coverage
- Hurricane and tropical storm exposure
- Flood insurance requirements (coastal/tidal areas)
- Wind/hail deductibles
- Historic property coverage (Baltimore, Annapolis)
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
Maryland Workers' Compensation:
- Required for most employers
- Workers' Compensation Commission oversight
- Competitive state (private market)
- Uninsured Employers' Fund provisions
3. Auto Insurance (25%)
Maryland Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $15,000 |
| Uninsured Motorist | $30,000/$60,000 |
| Personal Injury Protection (PIP) | $2,500 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Maryland financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
- Maryland Automobile Insurance Fund (MAIF)
4. Maryland Insurance Code and Regulations (10%)
Maryland Insurance Article Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 60 hours (higher than most states)
- 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 | 14-16 |
| Week 2-3 | Liability insurance | 14-16 |
| Week 3-4 | Auto insurance and MD requirements | 14-16 |
| Week 4-5 | Maryland regulations (Insurance Article) | 10-12 |
| Week 5-6 | Practice exams and review | 14-16 |
Total recommended study time: 65-75 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Maryland P&C exam.
Maryland-Specific Exam Tips
1. Know Maryland Auto Minimums
Maryland requires 30/60/15 liability coverage plus PIP:
- $30,000 per person bodily injury
- $60,000 per accident bodily injury
- $15,000 property damage
- $2,500 Personal Injury Protection (PIP)
2. Understand MAIF (Maryland Auto Insurance Fund)
Maryland has a unique residual auto market:
- MAIF — State-run insurer for high-risk drivers
- Last resort coverage — For those who cannot obtain private insurance
- Higher premiums — But provides required coverage
- Important for exam — Know when MAIF applies
3. Master Coastal Property Coverage
Maryland has significant Chesapeake Bay exposure:
- Tidal flooding in coastal communities
- Hurricane and tropical storm risks
- Wind/hail deductibles in coastal areas
- Maryland FAIR Plan for difficult-to-place risks
4. Key Numbers to Remember
| Topic | Maryland Requirement |
|---|---|
| Auto minimums | 30/60/15 |
| PIP minimum | $2,500 |
| WC threshold | Most employers |
| Pre-licensing | 60 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Underestimating pre-licensing — Maryland requires 60 hours (higher than most)
- Not knowing MAIF — Maryland's residual auto market is exam-tested
- Ignoring coastal exposures — Chesapeake Bay creates unique risks
- Not knowing auto minimums — Maryland is 30/60/15
- 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 Maryland Insurance Administration portal
- Complete background check — Required for all applicants
- Pay license fee — $51 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 Maryland Updates
For 2026, be aware of:
- Auto insurance rate adjustments
- Coastal property coverage updates
- MAIF program changes
- Enhanced consumer protection regulations
Start Your Maryland P&C Insurance Career Today
The Maryland P&C license opens doors to an affluent and growing insurance market. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Maryland-specific regulations (Insurance Article)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.