Hawaii Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Hawaii Property & Casualty Insurance exam prep guide. This comprehensive resource covers Hawaii-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exams in 2026.

About the Hawaii P&C Exams

The Hawaii Property & Casualty insurance examinations are administered by Pearson VUE on behalf of the Hawaii Insurance Division (Department of Commerce and Consumer Affairs). Unlike many states that offer a combined P&C exam, Hawaii requires TWO separate exams:

• Hawaii Insurance Code (Chapter 431)
• Property insurance principles (homeowners, fire, commercial property)
• Casualty insurance principles (auto, liability, workers' compensation)
• Hawaii-specific risks (hurricanes, volcanic activity, tsunamis)
• No-Fault auto insurance requirements
• Ethics and professional conduct

Exam Structure - TWO Separate Exams Required

Important: You must pass BOTH the Property exam AND the Casualty exam to obtain a full Hawaii P&C license. The exams can be taken on different days. Pretest questions are not scored but are included for future exam development.

Why Two Separate Exams?

Hawaii is one of the few states that requires separate Property and Casualty examinations rather than a combined exam. This structure:

• Allows candidates to specialize if desired (Property-only or Casualty-only license)
• Provides thorough testing of both lines of authority
• Results in more comprehensive evaluation of insurance knowledge
• Requires strategic planning for exam scheduling

Exam Content Distribution

Property Exam (93 questions - 78 scored)

Casualty Exam (103 questions - 86 scored)

No Pre-Licensing Education Required

Hawaii does NOT require pre-licensing education for Property & Casualty insurance. You can schedule and take the licensing exams immediately.

Education Recommendation

Exam Tip: While Hawaii doesn't require pre-licensing education, the two separate exams mean you need thorough preparation in BOTH property AND casualty insurance. Most successful candidates complete this FREE study guide and invest 60+ hours of study time.

Hawaii's Unique Insurance Environment

Natural Disaster Risks

Hawaii faces insurance challenges unique to its island geography:

Hurricane Risk

• Hawaii Hurricane Relief Fund (HHRF) provides excess coverage
• Hurricane season: June 1 - November 30
• Category 4-5 hurricanes threaten all islands
• Limited private market due to catastrophic exposure
• Hurricane Iniki (1992) caused $3.1 billion in damage

Volcanic Hazards

• Active volcanoes on Big Island (Kilauea, Mauna Loa)
• Lava zones 1-9 affect insurability and premiums
• Zone 1 (highest risk): Often uninsurable
• 2018 Kilauea eruption destroyed over 700 structures
• Volcanic air pollution (vog) causes property damage

Tsunami Exposure

• All islands vulnerable to Pacific Basin tsunamis
• Coastal evacuation zones mapped statewide
• Local earthquakes can generate rapid-onset tsunamis
• 1946 and 1960 tsunamis caused major destruction

Other Perils

• Earthquake activity (volcanic and tectonic)
• Flash flooding from tropical storms
• Saltwater corrosion of structures
• Extreme UV exposure damaging roofs and exteriors

Condo Insurance Crisis (2024-2026)

Hawaii experienced a severe condominium insurance crisis:

Military Insurance Market

Hawaii has significant military presence creating insurance opportunities:

• Pearl Harbor Naval Base
• Schofield Barracks Army Base
• Marine Corps Base Hawaii (Kaneohe Bay)
• Hickam Air Force Base
• Service members need auto and renters insurance
• SCRA (Servicemembers Civil Relief Act) compliance required

License Application Process

Step-by-Step Process

1. Study and Prepare (Recommended first)

   • Complete this FREE study guide
   • Review national P&C concepts
   • Take practice quizzes
   • Focus on Hawaii-specific laws and risks

2. Schedule and Pass Property Exam

   • Register with Pearson VUE at pearsonvue.com
   • Pay $75 exam fee
   • Choose testing center or online proctored
   • Pass with 70%+ score (78 scored questions)

3. Schedule and Pass Casualty Exam

   • Can be same day or different day as Property exam
   • Pay $75 exam fee
   • Pass with 70%+ score (86 scored questions)

4. Complete Fingerprinting

   • Required for all license applicants
   • Use Hawaii's vendor: Fieldprint Hawaii
   • Schedule at fieldprintinfo.com
   • Cost approximately $45-60
   • Results sent to Hawaii Insurance Division

5. Apply for License Within 60 Days

   • Submit application through NIPR within 60 days of fingerprinting
   • Pay license application fee
   • Provide exam passing documentation
   • Include fingerprint confirmation

6. Receive License

   • Hawaii Insurance Division reviews application
   • Background check processed
   • License issued upon approval
   • Valid for 2 years
   • Begin selling P&C insurance in Hawaii

Exam Reciprocity

Hawaii offers reciprocity for producers licensed in other states:

Note: Licensed producers from other states may qualify for expedited licensing through reciprocity agreements. Contact Hawaii Insurance Division for specific requirements.

Exam Retake Policy

Total Costs Summary

Note: Hawaii requires both exams for a full P&C license, resulting in higher total exam costs ($150) compared to states with combined exams.

License Maintenance - Highest CE in the U.S.

Important: Hawaii has the highest continuing education requirement in the nation at 30 hours every 2 years. Plan your CE completion carefully to maintain your license.

Hawaii Auto Insurance Requirements - No-Fault State

Hawaii is a No-Fault state with mandatory Personal Injury Protection (PIP) coverage.

Minimum Liability Limits (20/40/10)

Memory Tip: Hawaii minimums are 20/40/10 - Remember "Hawaii 2-4-1" like a vacation deal!

No-Fault PIP Requirements

Additional Required Coverage

Hawaii Insurance Division Contact

What This Guide Covers

This FREE study guide focuses on Hawaii state-specific content for the P&C exams:

Chapter 1: Hawaii Insurance Regulation & Licensing

• Hawaii Insurance Division structure
• Insurance Commissioner appointment (DCCA Director)
• Producer licensing requirements and CE (30 hours)
• Hawaii Revised Statutes Chapter 431

Chapter 2: Hawaii Property Insurance Laws

• Homeowners insurance requirements
• Hawaii Hurricane Relief Fund (HHRF)
• Volcanic hazard zones and coverage
• Tsunami and earthquake exposure
• Condo association insurance issues

Chapter 3: Hawaii Casualty Insurance Laws

• Auto insurance minimums (20/40/10)
• No-Fault PIP requirements
• UM/UIM coverage requirements
• Workers' compensation requirements
• Liability insurance regulations

Chapter 4: Ethics & Consumer Protection

• Unfair trade practices
• Claims handling requirements
• Hawaii Insurance Guaranty Association
• Producer conduct standards

national Property & Casualty exam prepFree exam prep with practice questions & AI tutor

Study Tips for Success

Key Numbers to Memorize

Hawaii-Specific Laws to Know

1. No-Fault State - PIP required, limits on lawsuits
2. Two Separate Exams - Property and Casualty tested separately
3. HHRF - Hurricane Relief Fund for excess coverage
4. 30 Hours CE - Highest requirement in the nation
5. 60-Day Application Window - Must apply within 60 days of fingerprinting
6. Reciprocity Available - Licensed producers may qualify

Next Steps

Ready to begin? Here's your action plan:

1. Complete this FREE study guide - Read all 4 chapters
2. Study national P&C concepts - See our Property & Casualty exam prep
3. Take chapter quizzes - Test your knowledge
4. Complete fingerprinting - Through Fieldprint Hawaii
5. Register with Pearson VUE - Schedule both exams
6. Pass Property exam - With 70%+ score
7. Pass Casualty exam - With 70%+ score
8. Apply for license - Within 60 days of fingerprinting

Remember: Hawaii requires TWO separate exams - prepare thoroughly for both to succeed!

Let's get started with Chapter 1: Hawaii Insurance Regulation & Licensing!