Pennsylvania Property & Casualty Insurance License Exam Overview
The Pennsylvania Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Pennsylvania Insurance Department. Pennsylvania is the fifth-largest state by population, with Philadelphia and Pittsburgh serving as major economic centers with diverse insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Pennsylvania—a state with nearly 13 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 | $43 |
| Pre-licensing Education | 24 hours required |
Why Get P&C Licensed in Pennsylvania?
- Major northeast market — Nearly 13 million potential clients
- Major metro areas — Philadelphia and Pittsburgh create agency opportunities
- Low pre-licensing — Only 24 hours required
- Diverse economy — Manufacturing, healthcare, and tech sectors
- Competitive compensation — Average P&C agent salary over $62,000
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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
Pennsylvania-Specific Property Topics:
- Pennsylvania FAIR Plan (residual market)
- Mine subsidence coverage (unique to PA)
- Snow load and winter damage considerations
- Ordinance or law coverage
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
Pennsylvania Workers' Compensation:
- Coverage required for most employers
- Pennsylvania Workers' Compensation Act
- Self-insurance options
- Rate classification system
3. Auto Insurance (25%)
Pennsylvania Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $15,000 |
| Bodily Injury (per accident) | $30,000 |
| Property Damage | $5,000 |
Pennsylvania Tort Options:
- Limited Tort — Lower premiums, restricted lawsuit rights
- Full Tort — Higher premiums, full lawsuit rights
- Tort choice must be made at policy inception
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Pennsylvania financial responsibility law
- First-party benefits (medical, income loss, funeral)
- Uninsured/underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Pennsylvania Insurance Code and Regulations (10%)
Title 40 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 24 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 PA tort options | 10-12 |
| Week 4-5 | Pennsylvania regulations (Title 40) | 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 Pennsylvania P&C exam.
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Pennsylvania-Specific Exam Tips
1. Know Pennsylvania Auto Minimums
Pennsylvania requires 15/30/5 liability coverage:
- $15,000 per person bodily injury
- $30,000 per accident bodily injury
- $5,000 property damage
2. Master the Tort Options
Pennsylvania's unique tort choice system:
- Limited Tort — Can only sue for serious injuries
- Full Tort — Preserves full right to sue
- Affects premium pricing significantly
3. Understand the FAIR Plan
Pennsylvania FAIR Plan provides property insurance for:
- High-risk properties unable to get private coverage
- Basic fire and extended coverage
- Essential property protection
4. Key Numbers to Remember
| Topic | Pennsylvania Requirement |
|---|---|
| Auto minimums | 15/30/5 |
| WC threshold | Most employers |
| Pre-licensing | 24 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing tort options — Know the difference between limited and full tort
- Low auto minimums — PA is 15/30/5 (among the lowest)
- Skipping workers' comp — PA requirements are tested
- Forgetting mine subsidence — Unique PA coverage
- Not practicing timed exams — 2.5 hours for 150 questions
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam
- Apply for license through Pennsylvania Insurance Department portal
- Complete background check — Required for all applicants
- Pay license fee — $55 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 Pennsylvania Updates
For 2026, be aware of:
- Auto insurance rate changes
- Updated tort option rules
- Enhanced consumer protection regulations
- Modified CE requirements
Start Your Pennsylvania P&C Insurance Career Today
The Pennsylvania P&C license opens doors to one of the nation's largest insurance markets. With proper preparation, you can pass the exam on your first attempt.
→ Begin FREE Pennsylvania P&C Exam Prep Now
Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Pennsylvania-specific regulations (Title 40)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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