National Property
36%of exam
Property PoliciesProperty ConceptsProperty ContractCoverage Picker
National Casualty
36%of exam
Liability PoliciesCasualty ConceptsCasualty ProvisionsLiability Picker
Kansas General Law
14%of exam
Commissioner LicensingMarketing PracticesGuaranty AssociationKansas Law Picker
Kansas P and C Law
15%of exam
Common P C LawProperty Only LawCasualty Only LawKansas Auto Rules
Quick Facts
- Exam
- 12-KS-06
- Credential
- Property and Casualty Allied Lines
- Vendor
- Pearson VUE
- Items
- 140 scored 14 pretest
- Time
- 150 minutes
- Pass
- 70%
- Fee
- $64 combined exam
- Retake
- Seven calendar days
- Prelicense
- Not required
- Scored split
- Property 50; Casualty 50; Kansas 40
Policy DICE
Declarations Insuring Conditions Exclusions
DeclarationsInsuring agreementConditionsExclusions
Named Perils vs Open Perils
Named perils
- Listed causes covered
- Insured proves listed peril
Open perils
- All except exclusions
- Insurer proves exclusion
Coverage breadth follows wording
Property Form Picker
- Owner occupies standard home→HO-3(Common homeowners form)
- Tenant needs belongings coverage→HO-4(No building coverage)
- Condominium unit owner→HO-6(Unit-owner needs)
- Older home replacement mismatch→HO-8(Modified coverage)
- Nonowner dwelling exposure→Dwelling form(Select DP breadth)
- Eligible small business→BOP(Property plus liability)
- Complex commercial package→CPP(Select needed coverage parts)
- Rising surface water→Flood policy(Homeowners excludes flood)
Personal Property Forms
- HO-2
- Broad named perils
- HO-3
- Open-peril dwelling
- HO-4
- Renters personal property
- HO-5
- Broader open-peril coverage
- HO-6
- Condominium unit-owner
- HO-8
- Modified older-home coverage
- DP-1
- Basic named perils
- DP-2
- Broad named perils
- DP-3
- Open-peril dwelling
- Farmowners
- Farm property plus liability
Home Form Numbers
Four rents; six condos; eight ages
HO-4 rentersHO-6 condosHO-8 older homes
ACV vs Replacement Cost
ACV
- Depreciation deducted
- Lower claim payment
Replacement cost
- No depreciation deduction
- Conditions still apply
Check valuation before limits
Commercial Property Tools
- BPP form
- Building and business personal property
- BOP
- Eligible small-business package
- CPP
- Flexible commercial package
- Business income
- Lost operating income
- Extra expense
- Continue operations sooner
- Equipment breakdown
- Mechanical electrical breakdown
- Builders risk
- Course-of-construction property
- Inland marine
- Movable transit property
- Ocean marine
- Vessels cargo transit
- NFIP
- Federal flood insurance
Direct vs Indirect Loss
Direct
- Immediate physical damage
- Fire damages building
Indirect
- Consequential economic loss
- Closure loses income
Trace the loss sequence
Property Concepts and Formulas
- Peril
- Cause of loss
- Hazard
- Increases loss chance
- Moral hazard
- Dishonesty increases risk
- Morale hazard
- Carelessness increases risk
- Physical hazard
- Tangible risk condition
- Direct loss
- Immediate physical damage
- Indirect loss
- Consequential economic loss
- ACV
- Replacement less depreciation
- Replacement cost
- No depreciation deduction
- Coinsurance payment
- Did over should times loss
- Insurable interest
- Financial loss relationship
- Subrogation
- Insurer pursues responsible party
Contract and Policy Structure
- Declarations
- Who what where limits
- Insuring agreement
- Insurer coverage promise
- Conditions
- Duties and policy rules
- Exclusions
- Coverage removed
- Endorsement
- Changes policy terms
- Binder
- Temporary coverage evidence
- Adhesion
- Insurer drafts contract
- Aleatory
- Unequal chance-dependent exchange
- Unilateral
- Insurer makes enforceable promise
- Conditional
- Coverage requires fulfilled duties
- Appraisal
- Resolves loss amount
- Proof of loss
- Sworn claim details
Negligence DBCD
Duty breached; causation creates damages
DutyBreachCausationDamages
Collision vs Other Than Collision
Collision
- Impact with object
- Vehicle overturn
Other than collision
- Theft hail glass
- Animal impact
Classify the damage cause
Liability Coverage Picker
- Premises bodily injury claim→CGL Coverage A(Check exclusions)
- Advertising offense claim→CGL Coverage B(Specified offenses only)
- Goodwill medical payment→CGL Coverage C(No negligence required)
- Employee occupational injury→Workers compensation(Statutory benefits)
- Covered employee lawsuit→Employers liability(Separate from benefits)
- Catastrophic liability layer→Umbrella(Underlying coverage required)
- Professional advice error→Errors and omissions(Professional liability)
- Own auto collision damage→Collision(Deductible applies)
- Own auto theft hail→Other than collision(Deductible applies)
Casualty Policy Parts
- PAP Part A
- Liability coverage
- PAP Part B
- Medical payments
- PAP Part C
- Uninsured motorists
- PAP Part D
- Damage to your auto
- CGL Coverage A
- Bodily injury property damage
- CGL Coverage B
- Personal and advertising injury
- CGL Coverage C
- Medical payments
- Workers compensation
- Statutory employee benefits
- Employers liability
- Covered employee lawsuits
- Umbrella
- Excess broad liability
- Surety bond
- Guarantees principal performance
Risk Methods ARRT
Avoid Reduce Retain Transfer
AvoidReduceRetainTransfer
Occurrence vs Claims-Made
Occurrence
- Injury date controls
- Later claims may qualify
Claims-made
- Claim timing controls
- Retroactive date matters
Find the trigger date
Liability Concepts
- Duty
- Required reasonable conduct
- Breach
- Duty was violated
- Causation
- Breach caused injury
- Damages
- Compensable loss exists
- Occurrence trigger
- Injury during policy period
- Claims-made trigger
- Claim made during coverage
- Bodily injury
- Physical harm sickness death
- Property damage
- Physical injury or lost use
- Compensatory damages
- Repay actual loss
- Punitive damages
- Punish wrongful conduct
- Vicarious liability
- Liability through relationship
- Strict liability
- Negligence proof unnecessary
Surety vs Insurance
Surety bond
- Three-party agreement
- Principal should reimburse
Insurance
- Two primary parties
- Loss risk transferred
Count parties and intent
Risk Claims and Ethics
- Avoidance
- Eliminate exposure
- Reduction
- Lower frequency severity
- Retention
- Keep financial risk
- Transfer
- Shift financial risk
- Indemnity
- Restore preloss position
- Reservation of rights
- Defend while preserving issues
- Fiduciary handling
- Protect entrusted premiums
- Good faith
- Honest fair dealing
Scored Buckets
Fifty property, fifty casualty, forty Kansas
Property 50Casualty 50Kansas general 19Kansas line laws 21
Official Scored Item Map
- Property policies
- 22 scoredDomain I
- Property concepts
- 15 scoredDomain II
- Property provisions
- 13 scoredDomain III
- Casualty policies
- 23 scoredDomain IV
- Casualty concepts
- 15 scoredDomain V
- Casualty provisions
- 12 scoredDomain VI
- Kansas general
- 19 scoredDomain VII
- Kansas P C common
- 7 scoredDomain VIII
- Kansas property only
- 7 scoredDomain IX
- Kansas casualty only
- 7 scoredDomain X
Kansas Producer Rules
- Commissioner
- Elected insurance regulator
- Certificate of authority
- Insurer operating authority
- Producer license
- Individual selling authority
- Prelicense education
- Not required
- Score validity
- Two years
- Continuing education
- 18 hours biennially
- Ethics education
- Three CE hours
- Misrepresentation
- False policy statements
- Rebating
- Unlawful sales inducement
- Unfair discrimination
- Improper unequal treatment
- Defamation
- False malicious statements
- Guaranty association
- Protects covered insolvent claims
UM vs UIM
UM
- At-fault driver uninsured
- Covers bodily injury
UIM
- At-fault limits insufficient
- Limit comparison applies
Check tortfeasor insurance first
Kansas Question Picker
- Minimum auto liability asked→25 50 25(BI BI PD)
- Own injury regardless fault→PIP(Mandatory benefits)
- Uninsured driver causes injury→UM(Bodily injury coverage)
- Low-limit driver causes injury→UIM(Limit comparison matters)
- Standard auto market unavailable→KAIP(Residual auto plan)
- Standard property market unavailable→FAIR plan(Residual property plan)
- Producer conduct or licensing→Kansas general law(19 scored items)
- Policy form or concept→National content(100 scored items)
Kansas Line-Specific Rules
- Cancellation
- Ends before expiration
- Nonrenewal
- Ends at expiration
- Rate standards
- Avoid unfair rate treatment
- Surplus lines
- Eligible nonadmitted placement
- FAIR plan
- Residual property market
- Federal crop
- Federally backed crop coverage
- Flood
- Separate flood coverage
- Unfair claims
- Prohibited settlement practices
- KAIP
- Residual automobile market
- WC plan
- Residual workers compensation market
- Accident prevention course
- May earn statutory auto discount
PIP vs Liability
PIP
- Own covered injury benefits
- Fault not required
Liability
- Pays third-party claims
- Legal liability matters
Identify claimant and fault
Kansas Auto Minimums
- Liability BI person
- $25,000
- Liability BI accident
- $50,000
- Liability PD accident
- $25,000
- PIP medical
- $4,500 per person
- PIP disability
- $900 monthly one year
- PIP substitution
- $25 daily
- PIP funeral
- $2,000
- PIP rehabilitation
- $4,500
- PIP survivors
- $900 monthly one year
- UM UIM bodily injury
- $25,000 $50,000 minimums
- PIP trigger
- Pays regardless of fault
- UIM calculation
- Insured limit exceeds tortfeasor limit
Cancellation vs Nonrenewal
Cancellation
- Ends policy early
- Midterm rules apply
Nonrenewal
- Ends at expiration
- Renewal rules apply
Locate the termination date
Common Traps
Hazard Is Not Peril
Peril causes loss ≠ Hazard increases probability
ACV Is Not Market Value
Use replacement less depreciation ≠ Ignore land market swings
Kansas Has No-Fault Benefits
PIP pays regardless fault ≠ Liability still follows fault
UM Is Not UIM
UM means no insurance ≠ UIM means insufficient limits
BOP Is Not Universal
Eligibility rules apply ≠ Complex risks use CPP
Certificate Grants No Coverage
Policy controls coverage ≠ Certificate only shows evidence
Appraisal Is Not Arbitration
Appraisal values loss ≠ Arbitration resolves disputes
Combined Exam Has Pretest Items
Fourteen items unscored ≠ Pretest items look identical
Last Minute
- 1.12-KS-06 is combined exam
- 2.140 scored plus 14 pretest
- 3.150 minutes; 70% passes
- 4.Property national equals 50 items
- 5.Casualty national equals 50 items
- 6.Kansas law equals 40 items
- 7.ACV subtracts depreciation
- 8.Coinsurance uses did over should
- 9.Negligence needs four elements
- 10.HO-4 rents; HO-6 condos
- 11.Kansas auto minimums 25 50 25
- 12.Kansas PIP pays regardless fault
- 13.Retake wait is seven days
Online course on MometrixSame family resources
Explore More Property & Casualty Insurance
Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.
More From This Family
Videos and articles for deeper review.
VideoFREE Kansas P&C Insurance Exam Guide 2026: Pass FirstThis examVideoActual Cash Value (ACV) ExplainedVideoAdverse Selection ExplainedVideoBinder ExplainedArticleFree Insurance Exam Podcast (2026): Life & Health, Property & Casualty Audio Study Guide8 min readArticleHow Much Do Insurance Agents Make in 2026? Salary Guide & Income Breakdown14 min readArticleFree P&C Practice Questions (2026): 30 Q + Full Explanations14 min readArticleP&C Insurance Exam Cheat Sheet 2026: Key Facts, Formulas & Quick Reference18 min read