Rhode Island Property & Casualty Insurance License Exam Overview
The Rhode Island Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Rhode Island Division of Insurance. Despite being the smallest state by area, Rhode Island has a concentrated population of over 1 million residents and unique coastal exposures that create steady demand for P&C insurance professionals.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Rhode Island—a state with significant coastal property risks, historic homes requiring specialized coverage, and urban density that keeps insurance markets active.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 100 multiple-choice |
| Scored Questions | 100 |
| Time Limit | 2 hours |
| Passing Score | 70% (70 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $47 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Rhode Island?
- Coastal market — Extensive Narragansett Bay and ocean exposure
- Dense population — Over 1 million residents in small area
- Historic properties — Specialized coverage needs
- Multi-state opportunity — Reciprocity with nearby states
- Strong commissions — Competitive coastal market rates
Start Your FREE Rhode Island P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Rhode Island 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
Rhode Island-Specific Property Topics:
- Rhode Island FAIR Plan (residual market for coastal properties)
- Coastal windstorm coverage
- Flood insurance requirements (NFIP)
- Hurricane deductibles
- Historic home coverage considerations
- Named storm deductibles
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
Rhode Island Workers' Compensation:
- Required for most employers
- State fund available
- Private market competitive
- Experience modification ratings
3. Auto Insurance (25%)
Rhode Island 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
- Rhode Island financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Rhode Island Insurance Code and Regulations (10%)
Title 27 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 RI requirements | 10-12 |
| Week 4 | Rhode Island regulations (Title 27) | 8-10 |
| 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 Rhode Island P&C exam.
Rhode Island-Specific Exam Tips
1. Know Rhode Island Auto Minimums
Rhode Island requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Coastal Coverage
Rhode Island's coastal exposure is significant:
- Narragansett Bay — Extensive waterfront properties
- Hurricane risk — Named storm deductibles
- Flood zones — NFIP requirements common
- FAIR Plan — Residual market for coastal risks
3. Understand Historic Home Coverage
Rhode Island has many historic properties:
- Older construction considerations
- Replacement cost challenges
- Ordinance or law coverage
- HO-8 modified coverage form
4. Key Numbers to Remember
| Topic | Rhode Island Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | Most employers |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Ignoring coastal risks — Rhode Island has significant exposure
- Confusing auto minimums — Rhode Island is 25/50/25 (higher PD than many states)
- Skipping flood coverage — Critical for coastal areas
- Underestimating historic homes — Special coverage needs
- Not practicing timed exams — 2 hours for 100 questions
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam
- Apply for license through Rhode Island Division of Insurance
- Complete background check — Required for all applicants
- Pay license fee — Application fee required
- 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 Rhode Island Updates
For 2026, be aware of:
- Coastal coverage rate changes
- Hurricane deductible updates
- Auto insurance rate adjustments
- Enhanced consumer protection regulations
Start Your Rhode Island P&C Insurance Career Today
The Rhode Island P&C license opens doors to a concentrated market with significant coastal exposure. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Rhode Island-specific regulations (Title 27)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.