New Hampshire Property & Casualty Insurance License Exam Overview
The New Hampshire Property & Casualty Insurance License Exam is administered by PSI on behalf of the New Hampshire Insurance Department. New Hampshire is unique as the only state without mandatory auto insurance, though financial responsibility laws still apply, creating distinct insurance education needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout New Hampshire—a state with 1.4 million residents, harsh winter weather, and a business-friendly environment that creates consistent 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 | PSI |
| Exam Fee | $72 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in New Hampshire?
- Business-friendly state — No income or sales tax attracts businesses
- Unique auto market — No mandatory insurance creates education opportunity
- Winter weather — Snow and ice create ongoing property claims
- Growing population — Migration from Massachusetts and other states
- Quality of life — Attracts affluent residents needing coverage
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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
New Hampshire-Specific Property Topics:
- Winter storm coverage (snow, ice, wind)
- Ice dam damage coverage
- Frozen pipe coverage
- Flood insurance (coastal and river areas)
- New Hampshire FAIR Plan (residual market)
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
New Hampshire Workers Compensation:
- Required for employers with one or more employees
- Competitive state (private market)
- Self-insurance options available
- New Hampshire Department of Labor oversight
3. Auto Insurance (25%)
New Hampshire Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
Important Note: New Hampshire does NOT require mandatory auto insurance, but drivers must demonstrate financial responsibility if involved in an accident. These minimums apply to those who choose to purchase insurance or must prove financial responsibility.
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- New Hampshire financial responsibility law
- SR-22 requirements
- Uninsured motorist coverage
- Underinsured motorist coverage
- Commercial auto insurance
4. New Hampshire Insurance Code and Regulations (10%)
RSA Title 37 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: 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 | 12-14 |
| Week 2-3 | Liability insurance | 12-14 |
| Week 3-4 | Auto insurance and NH requirements | 12-14 |
| Week 4-5 | New Hampshire regulations (RSA Title 37) | 8-10 |
| Week 5-6 | Practice exams and review | 12-14 |
Total recommended study time: 55-65 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the New Hampshire P&C exam.
New Hampshire-Specific Exam Tips
1. Understand Financial Responsibility
New Hampshire is unique:
- No mandatory auto insurance — Only state without requirement
- Financial responsibility — Must prove ability to pay if at fault
- Minimums still tested — 25/50/25 for those who purchase
- SR-22 situations — Required for certain violations
2. Master Winter Weather Coverage
New Hampshire winters create specific risks:
- Ice dam damage — Common claim type
- Frozen pipes — Coverage considerations
- Snow load — Roof collapse coverage
- Winter storm deductibles — May apply in some policies
3. Know Coastal Flood Risks
Seacoast region considerations:
- NFIP flood insurance requirements
- Coastal property coverage limitations
- Storm surge exclusions
- Wind vs. flood distinctions
4. Key Numbers to Remember
| Topic | New Hampshire Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 1+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Assuming auto insurance is mandatory — NH does not require it
- Skipping winter weather coverage — Major NH risk
- Ignoring financial responsibility — Still applies without mandatory insurance
- Not knowing minimums — 25/50/25 for those who purchase
- 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 New Hampshire Insurance Department
- Complete background check — Required for all applicants
- Pay license fee — Resident producer license fee
- 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 New Hampshire Updates
For 2026, be aware of:
- Winter weather coverage adjustments
- Coastal property rate changes
- Financial responsibility law updates
- Enhanced consumer protection regulations
Start Your New Hampshire P&C Insurance Career Today
The New Hampshire P&C license opens doors to a unique New England market with distinct regulations and opportunities. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- New Hampshire-specific regulations (RSA Title 37)
- Study guides and summaries
- AI-powered study assistance
Do not pay for expensive prep courses when everything you need is available FREE.