Nevada Property & Casualty Insurance License Exam Overview
The Nevada Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Nevada Division of Insurance. Nevada's unique market combines the bustling Las Vegas metropolitan area with vast rural territories, creating diverse insurance needs from casino properties to desert homesteads.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Nevada—a state with over 3.2 million residents, significant tourism industry, and unique desert climate risks that create specialized 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 | Prometric |
| Exam Fee | $52 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Nevada?
- Tourism capital — Las Vegas creates massive commercial insurance needs
- Rapid population growth — One of fastest-growing states
- Unique market — Gaming, hospitality, and entertainment industry
- No state income tax — Attractive for insurance professionals
- Competitive compensation — Strong demand for licensed agents
Start Your FREE Nevada P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Nevada 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
Nevada-Specific Property Topics:
- Nevada FAIR Plan (residual market)
- Desert climate coverage (extreme heat damage)
- Flash flood coverage (monsoon season)
- Wind and dust storm damage
- Pool and spa liability considerations
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Gaming and hospitality property insurance
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)
- Liquor liability (dram shop)
Nevada Workers' Compensation:
- Required for all employers with employees
- Nevada Division of Industrial Relations oversight
- Competitive state (private market)
- Self-insurance options available
3. Auto Insurance (25%)
Nevada Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $20,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Nevada financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Nevada Insurance Code and Regulations (10%)
NRS Chapter 686A 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 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 | 10-12 |
| Week 2-3 | Liability insurance | 10-12 |
| Week 3-4 | Auto insurance and NV requirements | 10-12 |
| Week 4-5 | Nevada regulations (NRS 686A) | 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 Nevada P&C exam.
Nevada-Specific Exam Tips
1. Know Nevada Auto Minimums
Nevada requires 25/50/20 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $20,000 property damage
2. Understand Desert Climate Risks
Nevada's unique desert environment:
- Extreme heat — Can cause roof and structural damage
- Flash floods — Monsoon season creates sudden flood risk
- Dust storms — Property and vehicle damage
- UV damage — Accelerated wear on building materials
3. Know Gaming Industry Coverage
Las Vegas creates unique insurance needs:
- Casino property coverage
- Gaming liability policies
- Entertainment venue coverage
- Hospitality industry risks
4. Key Numbers to Remember
| Topic | Nevada Requirement |
|---|---|
| Auto minimums | 25/50/20 |
| WC threshold | All employers |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Not knowing auto minimums — Nevada is 25/50/20 (not 25/50/15)
- Skipping desert climate topics — Unique NV exposures
- Ignoring flash flood risks — Common during monsoon season
- Underestimating gaming industry — Major part of NV market
- 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 Nevada Division of Insurance
- Complete background check — Required for all applicants
- Pay license fee — $50 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 Nevada Updates
For 2026, be aware of:
- Updated auto insurance rate filings
- Enhanced consumer protection regulations
- Commercial property coverage changes
- Workers' compensation updates
Start Your Nevada P&C Insurance Career Today
The Nevada P&C license opens doors to one of the nation's most unique 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
- Nevada-specific regulations (NRS 686A)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.