North Carolina Property & Casualty Insurance License Exam Overview
The North Carolina Property & Casualty Insurance License Exam is administered by Prometric on behalf of the North Carolina Department of Insurance (NCDOI). North Carolina is the ninth-largest state by population, with Charlotte serving as a major financial hub and significant coastal exposure creating unique insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout North Carolina—a state with over 10 million residents and strong demand for both personal and commercial lines.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $64 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in North Carolina?
- Growing population — Over 10 million and expanding rapidly
- Charlotte financial hub — Major banking and corporate center
- Coastal market — Beach Plan expertise in demand
- Research Triangle — Tech sector growth
- Competitive compensation — Average P&C agent salary over $61,000
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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
North Carolina-Specific Property Topics:
- NC Beach Plan (coastal wind/hail coverage)
- Hurricane deductibles
- Flood insurance requirements (coastal)
- NC 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
North Carolina Workers' Compensation:
- Required for employers with 3+ employees
- NC Industrial Commission oversight
- Rate Bureau system
- Self-insurance options
3. Auto Insurance (25%)
North Carolina Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- North Carolina financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- NC Rate Bureau system
4. North Carolina Insurance Code and Regulations (10%)
NCGS Chapter 58 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Rate Bureau system
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 NC requirements | 10-12 |
| Week 4-5 | NC regulations (NCGS Chapter 58) | 6-8 |
| Week 5 | 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 North Carolina P&C exam.
→ Access FREE NC P&C Practice Questions
North Carolina-Specific Exam Tips
1. Know North Carolina Auto Minimums
North Carolina requires 30/60/25 liability coverage:
- $30,000 per person bodily injury
- $60,000 per accident bodily injury
- $25,000 property damage
2. Understand the NC Beach Plan
North Carolina Beach Plan provides coverage for:
- Wind and hail coverage for coastal properties
- Properties in 18 eastern NC counties
- Coverage unavailable in private market
- Essential for coastal agents
3. Master the Rate Bureau System
North Carolina's unique rate regulation:
- NC Rate Bureau sets rates for auto/property
- Bureau rates vs. company rates
- Prior approval system
- Rate deviation rules
4. Key Numbers to Remember
| Topic | NC Requirement |
|---|---|
| Auto minimums | 30/60/25 |
| WC threshold | 3+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — NC is 30/60/25 (higher than many states)
- Skipping Beach Plan — Essential for coastal NC market
- Ignoring Rate Bureau — Unique NC system is heavily tested
- Underestimating hurricane coverage — Critical for coastal properties
- Not practicing timed exams — 2.5 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through NCDOI online portal
- Complete background check — Required for all applicants
- Pay license fee — $50 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 North Carolina Updates
For 2026, be aware of:
- Hurricane coverage rate changes
- Beach Plan updates
- Rate Bureau filing changes
- Enhanced consumer protection regulations
Start Your North Carolina P&C Insurance Career Today
The North Carolina P&C license opens doors to one of the Southeast's largest insurance markets. With proper preparation, you can pass the exam on your first attempt.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ North Carolina-specific regulations (NCGS Chapter 58)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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