Tennessee Property & Casualty Insurance Exam 2026

Welcome to your FREE Tennessee Property & Casualty (P&C) Insurance exam preparation guide. This comprehensive study resource covers Tennessee-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Tennessee state-specific content. You should also study national Property & Casualty insurance concepts, as the exam tests both state and general insurance knowledge.

Why Get Licensed in Tennessee?

Tennessee offers excellent opportunities for insurance professionals:

• Growing market with expanding population and business development
• No state income tax makes Tennessee attractive for insurance careers
• Business-friendly regulations support insurance industry growth
• Major insurance hub with numerous carriers and agencies in Nashville and Memphis
• Diverse risks from tornados to flooding requiring comprehensive P&C knowledge

What This Guide Covers

This FREE study guide includes:

✓ Tennessee Insurance Law & Regulations - Tennessee Department of Commerce & Insurance (TDCI), rate regulation, consumer protections ✓ Property Insurance - Homeowners, dwelling, commercial property, windstorm coverage ✓ Casualty/Liability Insurance - Auto insurance, general liability, workers' compensation ✓ Tennessee-Specific Topics - Tornado and severe weather risks, state insurance requirements ✓ Practice Questions - Quiz questions in each chapter to test your knowledge

Exam Format & Requirements

Exam Structure

Exam Costs

• Property Exam: $50
• Casualty Exam: $50
• Combined P&C: Can take both in one session ($100 total)

Pre-License Education

Tennessee has NO mandatory pre-license education requirement for Property & Casualty insurance. However, successful candidates typically spend 40-60 hours studying exam content and taking practice tests.

Exam Tip: Even though Tennessee doesn't require pre-license courses, thorough preparation is essential. The 70% passing requirement and Tennessee-specific questions demand solid knowledge.

Retake Policy

• First Retake: Wait 10 days after failed attempt
• Subsequent Retakes: Wait 30 days between attempts
• No Limit: Tennessee has no limit on total retake attempts
• New Fee: Full exam fee required for each attempt

Exam Content Areas

Property Exam Topics (68 Questions)

The Tennessee Property exam covers:

1. Tennessee Insurance Regulations (18 questions)

   • Tennessee Department of Commerce & Insurance
   • Producer licensing and continuing education
   • Rate filing and approval processes
   • Consumer protection laws

2. Property Insurance Principles (25 questions)

   • Homeowners policies (HO-2, HO-3, HO-4, HO-6)
   • Dwelling policies (DP-1, DP-2, DP-3)
   • Property valuation methods
   • Loss settlement provisions

3. Commercial Property Insurance (15 questions)

   • Commercial property policies
   • Business owners policies (BOP)
   • Inland marine coverage
   • Business income coverage

4. Tennessee-Specific Property Issues (10 questions)

   • Tornado and severe weather coverage
   • Windstorm and hail provisions
   • State-mandated policy provisions
   • Cancellation and non-renewal rules

Casualty Exam Topics (68 Questions)

The Tennessee Casualty exam covers:

1. Tennessee Insurance Law (18 questions)

   • State insurance regulations
   • Producer responsibilities
   • Compliance requirements
   • Consumer protections

2. Auto Insurance (20 questions)

   • Tennessee auto insurance requirements
   • Personal auto policy (PAP)
   • Commercial auto coverage
   • Uninsured/underinsured motorist coverage

3. General Liability Insurance (15 questions)

   • Commercial general liability (CGL)
   • Personal liability coverage
   • Professional liability
   • Products liability

4. Workers' Compensation & Other Casualty (15 questions)

   • Tennessee workers' comp requirements
   • Coverage provisions
   • Umbrella and excess liability
   • Other casualty lines

How to Use This Study Guide

Recommended Study Plan

Week 1-2: Tennessee Regulations & Property Insurance

• Study Chapters 1-2 on Tennessee regulations and property insurance
• Complete all practice questions
• Review key takeaways and summaries

Week 3-4: Casualty Insurance & Auto Coverage

• Study Chapters 3-4 on casualty/liability and auto insurance
• Complete all practice questions
• Focus on Tennessee-specific requirements

Week 5-6: Review & Practice

• Review all key takeaways
• Retake practice questions
• Take full-length practice exams
• Focus on weak areas

Study Tips

1. Master Tennessee-Specific Content: 18 of 68 questions (26%) are Tennessee-specific on each exam
2. Understand Concepts, Don't Memorize: Focus on understanding why laws exist and how coverage works
3. Practice with Questions: Use the quiz questions throughout this guide to test your knowledge
4. Review Key Takeaways: Each section includes key points—review these regularly
5. Use Calculator Practice: Pearson VUE provides an on-screen calculator—practice calculations

Taking the Exam

Scheduling Your Exam

1. Register with Pearson VUE: Visit pearsonvue.com or call to schedule
2. Choose Exam Type: Select Property, Casualty, or Combined P&C
3. Select Testing Option: In-person at testing center or online via OnVUE
4. Pay Exam Fee: $50 per exam

On Exam Day

Bring to the Testing Center:

• Valid government-issued photo ID (driver's license or passport)
• Confirmation number from Pearson VUE

Testing Center Rules:

• No phones, calculators (on-screen calculator provided), or reference materials allowed
• Scratch paper provided by testing center
• Results provided immediately after completing exam

If You Don't Pass

• Wait Time: 10 days for first retake, 30 days for subsequent retakes
• Retake Fee: Full $50 exam fee required for each attempt
• No Limit: Tennessee has no limit on retake attempts
• Study More: Review weak areas before retaking

Tennessee Department of Commerce & Insurance (TDCI)

The Tennessee Department of Commerce & Insurance regulates the P&C insurance industry:

TDCI Contact:

• Website: tn.gov/commerce/insurance
• Phone: (615) 741-2218
• Consumer Insurance Line: (800) 342-4029

Next Steps After Licensing

Once you pass your exams:

1. Submit License Application: Apply through NIPR or directly to TDCI
2. Pay License Fee: $50 application fee
3. Complete Background Check: Fingerprinting required
4. Get Appointed: Obtain company appointments to sell insurance
5. Complete Continuing Education: 24 hours every 2 years (including 3 hours ethics)

Ready to Start?

Let's dive into Chapter 1: Tennessee P&C Insurance Regulation & Licensing to begin your exam preparation!

Remember: This content is 100% FREE. Use AI assistance whenever you get stuck—click "Ask AI" buttons throughout this guide or use the floating AI helper at the bottom right of your screen.