Free Property & Casualty Insurance Practice Exam by State 2026: 5,000+ Questions
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Which Florida state entity has primary regulatory authority over insurance companies operating in Florida?
Fl Pc Regulation
Question · Easy
$100,000 fire claim. What does insurance pay?
Short
Free P&C insurance practice exams for all 50 states plus DC. 5,000+ questions covering property, casualty, auto, homeowners, commercial lines, and state-specific regulations for 2026.
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Florida Department of Financial Services (DFS)
FL Regulation & Licensing
Flashcard
The Florida Chief Financial Officer (CFO) oversees which of the following entities?
Question · Medium
Colloquial name for the HO-6 homeowners policy form designed for co-owners who insure interior unit walls, personal belongings, and loss assessments while a master association policy covers the exterior shell.
Property policies
Guess the Term
Introduction: Florida Property & Casualty Insurance Exam Overview
Florida Property & Casualty Exam Overview
Study guide
Cheat sheet
What is the Florida 2-20 license?
Actual Cash Value (ACV)
term
1. Actual Cash Value is a property valuation method that equals replacement cost minus depreciation, representing what property is worth today after accounting for wear and tear.
Glossary
Read the clue and guess the term in 6 tries.
Game
Pass Florida P&C Insurance Exam 2026: FREE Guide
Florida Office of Insurance Regulation (OIR)
How long can a newly licensed Florida insurance agent go without holding at least one appointment before the license is cancelled?
ISO modular business policy abbreviation that combines common declarations and conditions with two or more distinct coverage parts such as property, general liability, crime, or inland marine.
Adverse Selection
1. Adverse selection is an insurance phenomenon where higher-risk individuals are more likely to purchase insurance than lower-risk individuals, creating an imbalanced risk pool that can lead to increased premiums and pote…
What is the minimum age requirement to obtain a Florida insurance agent license?
One hundred, three hundred, fifty
Florida Chief Financial Officer (CFO)
The Florida Insurance Guaranty Association (FIGA) was created to:
Branch of marine insurance that covers movable property in domestic transit over land, instrumentalities of transportation like bridges and communication towers, and personal or commercial floaters.
General Insurance Fundamentals
1.1 Insurance Principles & Risk
Which statement best describes the term of a Florida resident property and casualty (2-20) agent license?
Binder
1. A binder is a temporary insurance contract that provides the agreed coverage from its effective date while a formal policy is being issued. Its duration, cancellation requirements and permitted use depend on state law,…
Swap tiles to line up three of the same term.
Term Match
Florida 2-20 General Lines license
Which entity in Florida is responsible for investigating insurance fraud?
FEMA-administered federal underwriting system that provides residential building coverage up to 250,000 dollars and contents coverage up to 100,000 dollars after a standard 30-day waiting period.
Coinsurance (Property Insurance)
1. Coinsurance is a property insurance provision requiring the insured to carry coverage equal to a specified percentage (usually 80%) of the property value or face a penalty at claim time.
What is the primary purpose of Citizens Property Insurance Corporation in Florida?
The river took my couch
Florida 4-40 Customer Representative
What is the required pre-licensing education for a Florida 2-20 General Lines Property and Casualty agent license?
Ocean marine and aviation physical damage coverage that insures the structural body, frame, and machinery of a ship or aircraft itself rather than the freight or goods it carries.
1.2 Insurance Contract Law
What is the passing score for the Florida 2-20 General Lines Property and Casualty licensing examination?
Declarations Page
1. A declarations page (dec page) is the first page of an insurance policy that summarizes essential coverage information including the named insured, policy number, coverage limits, deductibles, premiums, and effective da…
Flip two cards at a time to find matching terms.
Term Pairs
Florida 200-hour prelicensing requirement
How many continuing education hours must a Florida 2-20 General Lines agent complete every 2 years?
Marine and motor-truck transit coverage that insures commercial goods, merchandise, and commodities while being shipped from a point of origin to a destination.
Deductible (Property & Casualty)
1. A deductible is the amount the insured must pay out-of-pocket before insurance coverage begins, representing a form of self-insurance that reduces premiums.
As part of the 24-hour CE requirement, Florida agents must complete specific courses in which of the following areas?
Florida General Lines exam format
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