200+ Free FL Property & Casualty Practice Questions
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Key Facts: FL Property & Casualty Exam
175 Q
Exam Length
Pearson VUE FL candidate bulletin
125 + 50
General + State Split
Pearson VUE
70%
Passing Score
FL DFS
$10K
PIP Minimum
FL No-Fault Law
$44
Exam Fee
Pearson VUE FL
$300K
FIGA Limit
Per claim
Florida requires 200 hours of pre-license education and passage of the Pearson VUE exam (125 general + 50 state questions) with 70% to pass. Key Florida-specific topics include: PIP (Personal Injury Protection) with $10,000 minimum (note: PIP is being eliminated effective July 2026), Citizens Property Insurance as the insurer of last resort, mandatory sinkhole coverage offering, hurricane deductibles (2-10%), and the Florida Insurance Guaranty Association (FIGA) with $300,000 per claim limit. The Florida Department of Financial Services (DFS) oversees agent licensing.
About the FL Property & Casualty Exam
The Florida Property & Casualty insurance exam covers general insurance principles plus Florida-specific regulations including DFS licensing oversight, producer licensing (2-20, 4-40), Citizens Property Insurance, PIP/no-fault auto, sinkhole coverage, and hurricane deductibles. Candidates must complete 200 hours of pre-license education before sitting for the exam.
Questions
175 scored questions
Time Limit
3 hours
Passing Score
70%
Exam Fee
$44 (Florida DFS / Pearson VUE)
FL Property & Casualty Exam Content Outline
FL Regulation & Licensing
DFS licensing structure, CFO role, 200-hour pre-license education, 2-20/4-40 licenses, 24-hour CE biennially, unfair trade practices, rebating prohibition
FL Property Insurance
HO-3 policies, hurricane deductibles, sinkhole coverage, Citizens Property Insurance, FHCF, flood/NFIP
FL Casualty Insurance
PIP/no-fault auto (10/20/10), workers comp requirements, CGL, surplus lines (4.94% tax)
FL Ethics & Claims
FIGA ($300K limit), claims practices (14-day acknowledgment, 90-day payment), bad faith
How to Pass the FL Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 175 questions
- Time limit: 3 hours
- Exam fee: $44
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
FL Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How many questions are on the Florida P&C insurance exam?
The FL P&C exam has 175 total questions: 125 general insurance and 50 Florida-specific. Pearson VUE administers the exam with 3 hours total. You need 70% to pass.
What is Florida's PIP coverage requirement?
Florida requires Personal Injury Protection (PIP) with a minimum of $10,000. PIP covers 80% of medical expenses regardless of who is at fault. Florida is a 'no-fault' state, meaning you file claims with your own insurer first. Note: Florida is eliminating PIP coverage effective July 2026, transitioning to a tort-based auto insurance system.
What is Citizens Property Insurance in Florida?
Citizens Property Insurance Corporation is Florida's insurer of last resort for property owners who cannot find coverage in the voluntary market. Take-out companies can assume Citizens policies, and Citizens can levy assessments on all Florida policyholders after major losses.
How do hurricane deductibles work in Florida?
Florida allows separate hurricane deductibles of 2%, 5%, or 10% of the dwelling coverage amount. These apply per hurricane event, not per year. A higher deductible lowers your premium. Standard deductibles apply to non-hurricane claims.
What is the Florida Insurance Guaranty Association (FIGA)?
FIGA protects Florida policyholders when an admitted insurer becomes insolvent. FIGA covers claims up to $300,000 per claim. Surplus lines insurers are NOT covered by FIGA.