Vermont Property & Casualty Insurance License Exam Overview
The Vermont Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Vermont Department of Financial Regulation (DFR). Vermont is a unique state with strong consumer protection regulations, a rural character, and severe winter weather that creates specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Vermont—a state with about 650,000 residents, significant winter weather exposure, and a community-focused insurance market that values personalized service.
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 | $55 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Vermont?
- Strong consumer protection — Vermont leads in insurance regulation
- Rural market opportunity — Personalized service highly valued
- Unique risks — Winter weather and flooding create specialized needs
- Captive insurance capital — Vermont leads the nation in captive insurance
- Quality of life — Excellent work-life balance for agents
Start Your FREE Vermont P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Vermont 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
Vermont-Specific Property Topics:
- Vermont FAIR Plan (residual market)
- Ice dam and snow load coverage
- Frozen pipe coverage
- Flood insurance (NFIP) requirements
- Heating system coverage (oil, propane, wood)
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
Vermont Workers' Compensation:
- Required for all employers with employees
- State-administered program
- Competitive state (private market)
- Self-insurance options for qualified employers
3. Auto Insurance (25%)
Vermont Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
| Uninsured Motorist | $25,000/$50,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Vermont financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage (required)
- SR-22 requirements
- Commercial auto insurance
- Winter driving considerations
4. Vermont Insurance Code and Regulations (10%)
Title 8 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 VT requirements | 10-12 |
| Week 4-5 | Vermont regulations (Title 8) | 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 Vermont P&C exam.
Vermont-Specific Exam Tips
1. Know Vermont Auto Minimums
Vermont requires 25/50/10 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $10,000 property damage
- UM/UIM required — Same limits as liability
2. Master Winter Weather Coverage
Vermont experiences severe winters:
- Ice dams — Major cause of property damage
- Snow load — Roof collapse concerns
- Frozen pipes — Coverage and prevention
- Heating system failures — Oil, propane, wood stove coverage
3. Understand Flood Insurance
Vermont has significant flood exposure:
- Hurricane Irene devastation (2011) still impacts regulations
- NFIP policies vs. private flood insurance
- River valley flood zones
- Coverage limitations and exclusions
4. Key Numbers to Remember
| Topic | Vermont Requirement |
|---|---|
| Auto minimums | 25/50/10 |
| WC threshold | All employers |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Wrong property damage limit — Vermont is only $10,000 (lower than most states)
- Forgetting UM/UIM requirement — Both required in Vermont
- Skipping winter coverage — Critical for Vermont properties
- Ignoring flood insurance — Major VT exposure
- 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 Vermont DFR 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 Vermont Updates
For 2026, be aware of:
- Winter weather coverage updates
- Flood insurance program changes
- Climate-related coverage adjustments
- Enhanced consumer protection regulations
- Captive insurance industry updates
Start Your Vermont P&C Insurance Career Today
The Vermont P&C license opens doors to a unique insurance market that values personalized service and strong client relationships. As the captive insurance capital of the nation, Vermont offers specialized opportunities for insurance professionals. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Vermont-specific regulations (Title 8)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.