Tennessee Property & Casualty Insurance License Exam Overview
The Tennessee Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Tennessee Department of Commerce and Insurance (TDCI). Tennessee is a growing state with Nashville serving as one of the hottest markets in the nation, and diverse climate risks from tornadoes to flooding create significant insurance demand.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Tennessee—a state with nearly 7 million residents, significant severe weather exposure, and a rapidly growing population that creates strong P&C insurance opportunities.
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 | $62 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Tennessee?
- Booming Nashville market — One of the fastest-growing metros in the US
- Population growth — Nearly 7 million and rapidly expanding
- Diverse risks — Tornadoes, severe storms, and flooding
- Business-friendly state — No state income tax attracts businesses
- Strong compensation — Average P&C agent salary over $60,000
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Ready to begin studying? Our comprehensive, completely free Tennessee 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
Tennessee-Specific Property Topics:
- Tennessee FAIR Plan (residual market)
- Tornado and windstorm coverage (major TN exposure)
- Flood insurance (NFIP) requirements
- Hail damage coverage
- Sinkhole coverage considerations
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
Tennessee Workers' Compensation:
- Required for employers with 5+ employees
- State-administered program available
- Competitive state (private market)
- Self-insurance options for qualified employers
3. Auto Insurance (25%)
Tennessee 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
- Tennessee financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Tennessee Insurance Code and Regulations (10%)
Title 56 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 TN requirements | 10-12 |
| Week 4-5 | Tennessee regulations (Title 56) | 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 Tennessee P&C exam.
Tennessee-Specific Exam Tips
1. Know Tennessee Auto Minimums
Tennessee requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Tornado and Severe Weather Coverage
Tennessee sits in Tornado Alley's southern extension:
- Middle Tennessee — Highest tornado risk
- Wind/hail deductibles — Often separate from standard deductible
- Replacement cost vs. ACV — Critical coverage decision
- Additional living expense — Important for displacement claims
3. Understand Flood Insurance
Tennessee has significant flood exposure:
- NFIP policies vs. private flood insurance
- Nashville flood zones
- Waiting periods for coverage
- Coverage limitations and exclusions
4. Key Numbers to Remember
| Topic | Tennessee Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 5+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — Tennessee is 25/50/25 (not 25/50/15)
- Skipping tornado coverage — Primary TN weather risk
- Ignoring flood insurance — Not included in homeowners policies
- Not knowing WC threshold — 5 employees in Tennessee
- 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 Tennessee NIPR or TDCI 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 Tennessee Updates
For 2026, be aware of:
- Tornado and severe weather coverage updates
- Auto insurance rate adjustments
- Flood insurance program changes
- Enhanced consumer protection regulations
Start Your Tennessee P&C Insurance Career Today
The Tennessee P&C license opens doors to one of the nation's fastest-growing insurance markets, especially in Nashville and surrounding areas. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Tennessee-specific regulations (Title 56)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.