Mississippi Property & Casualty Insurance License Exam Overview
The Mississippi Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Mississippi Department of Insurance. Mississippi's Gulf Coast location and climate create unique insurance challenges, including significant hurricane, flood, and wind exposure that make P&C expertise highly valuable.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Mississippi—a state with nearly 3 million residents where catastrophic weather events drive substantial P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 125 multiple-choice |
| Scored Questions | 125 |
| Time Limit | 2 hours |
| Passing Score | 70% (88 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $42 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Mississippi?
- Catastrophe-prone market — Hurricane, flood, and tornado exposure
- Growing demand — Coastal development increases insurance needs
- Specialized knowledge — Wind and flood coverage expertise valued
- Affordable entry — Lower exam and licensing fees than many states
- Career opportunities — Strong need for knowledgeable agents
Start Your FREE Mississippi P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Mississippi 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
Mississippi-Specific Property Topics:
- Mississippi Windstorm Underwriting Association (MWUA)
- Hurricane deductibles and wind coverage
- Flood insurance (NFIP) requirements
- Tornado and severe storm coverage
- Coastal property underwriting
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
Mississippi Workers' Compensation:
- Required for employers with 5+ employees
- Mississippi Workers' Compensation Commission oversight
- Competitive state (private market)
- Agricultural and domestic exemptions
3. Auto Insurance (25%)
Mississippi 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
- Mississippi financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Mississippi Insurance Code and Regulations (10%)
Title 83 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 MS requirements | 10-12 |
| Week 4-5 | Mississippi regulations (Title 83) | 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 Mississippi P&C exam.
Mississippi-Specific Exam Tips
1. Know Mississippi Auto Minimums
Mississippi requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Hurricane and Wind Coverage
Mississippi's Gulf Coast exposure is critical:
- Mississippi Windstorm Underwriting Association (MWUA) — Residual market for coastal properties
- Hurricane deductibles — Percentage-based vs. flat dollar
- Wind vs. flood — Understanding coverage distinctions
- Named storm deductibles — Special provisions
3. Understand Flood Insurance
Mississippi has significant flood exposure:
- NFIP policies — Federal flood insurance program
- Elevation certificates — Key underwriting document
- Waiting periods — 30-day standard wait
- Private flood options — Growing market
4. Key Numbers to Remember
| Topic | Mississippi Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 5+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Ignoring hurricane coverage — Critical in Mississippi
- Confusing wind and flood — Different policies and programs
- Not knowing auto minimums — Mississippi is 25/50/25
- Skipping MWUA knowledge — Important residual market
- Not practicing timed exams — 2 hours for 125 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Mississippi Department of Insurance
- Complete background check — Required for all applicants
- Pay license fee — Resident license fee applies
- 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 Mississippi Updates
For 2026, be aware of:
- Hurricane coverage rate changes
- Coastal property underwriting updates
- MWUA coverage modifications
- Enhanced consumer protection regulations
Start Your Mississippi P&C Insurance Career Today
The Mississippi P&C license opens doors to a market where catastrophe expertise is highly valued. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Mississippi-specific regulations (Title 83)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.