Question 1

What's on the Property & Casualty insurance exam?

Accepted Answer

The P&C exam covers property insurance (homeowners, dwelling, commercial property), casualty/liability insurance (auto, general liability, workers compensation), and state-specific regulations. Most states test both lines together in one exam.

Question 2

What is the P&C exam passing score?

Accepted Answer

Most states require a 70% passing score, though some states like Texas require 70% on each section separately. The exam typically has 100-150 multiple-choice questions, and you must pass both property and casualty portions.

Question 3

How long is the Property & Casualty exam?

Accepted Answer

The P&C exam typically allows 2-3 hours for 100-150 questions. Some states split it into separate property and casualty exams taken on the same day. Check your state's insurance department for specific time limits.

Question 4

Do I need pre-licensing education for P&C?

Accepted Answer

Yes, most states require 20-40 hours of pre-licensing education covering property and casualty insurance fundamentals. Some states like Florida require 200 hours. Complete your state-approved course before scheduling your exam.

Question 5

What can I sell with a Property & Casualty license?

Accepted Answer

You can sell homeowners insurance, renters insurance, auto insurance, commercial property and liability policies, workers compensation, umbrella policies, and inland marine coverage. Some specialty lines may require additional licensing.

Question 6

How hard is the Property & Casualty exam?

Accepted Answer

The P&C exam is moderately difficult with first-time pass rates around 55-65%. Most candidates study 40-60 hours over 2-4 weeks. Coverage terms, exclusions, and liability concepts tend to be the most challenging areas.

Question 7

What career paths are available with a P&C license?

Accepted Answer

P&C agents work in personal lines (home/auto), commercial insurance, or specialty markets like transportation or construction. Starting salaries range from $35,000-$50,000, with experienced agents earning $70,000-$120,000+. Many agents build residual income through policy renewals.

Question 8

What's included for free?

Accepted Answer

All study guides, practice questions, and explanations are completely free. We also include 10 AI-powered questions daily. For unlimited AI assistance, you can upgrade to Pro.

Question 9

Why is the content free?

Accepted Answer

OpenExamPrep was founded by Ran Chen, a CFP® who passed multiple financial exams and believes quality exam prep shouldn't cost hundreds of dollars. With AI, we can create quality content at scale and make it accessible to everyone.

Question 10

Is the content up to date?

Accepted Answer

Yes! Our content is aligned with the latest exam outlines and updated regularly. Last update: January 2026.

Property & Casualty Insurance

Free P&C Insurance Exam Prep

Free P&C Insurance Prep That Actually Works

500+ Practice Questions

AI Tutor Explains Mistakes

Updated for 2026

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What You'll Study

Introduction

Chapter 1: Insurance Fundamentals

Chapter 2: Property Insurance Concepts

Chapter 3: Dwelling Policies

Chapter 4: Homeowners Policies

Chapter 5: Personal Auto Policy

Chapter 6: Liability Insurance Concepts

Chapter 7: Commercial Property Insurance

Chapter 8: Commercial General Liability

Chapter 9: Commercial Auto Insurance

Chapter 10: Workers Compensation

Chapter 11: Other Commercial Lines

Chapter 12: Insurance Regulations and Ethics

P&C Insurance Exam Details

Property and Casualty Insurance

Exam Content Breakdown

What's Included

13 Chapters

Practice Quizzes

Free to Start

Quality Exam Prep Shouldn't Cost Hundreds

What's Next After the P&C Insurance?

Life & Health Insurance

Series 6

P&C Insurance Exam FAQ

Compare the P&C Insurance

Official State Insurance Department Resources

More Free Resources

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