200+ Free FL Property & Casualty Practice Questions

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Question 1

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Which Florida state entity has primary regulatory authority over insurance companies operating in Florida?

The Florida Department of Financial Services (DFS)

The Florida Office of Insurance Regulation (OIR)

The Florida Chief Financial Officer (CFO)

The Florida Department of Business and Professional Regulation (DBPR)

to track

2026 Statistics

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 the Pearson VUE exam (125 general + 50 state questions, 70% to pass). Key topics: PIP with $10,000 minimum (being eliminated July 2026), Citizens Property Insurance as insurer of last resort, mandatory sinkhole coverage offering, hurricane deductibles (2-10%), and FIGA with a $300,000 per claim limit.

Sample FL Property & Casualty Practice Questions

Try these sample questions to test your FL Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Florida state entity has primary regulatory authority over insurance companies operating in Florida?

A.The Florida Department of Financial Services (DFS)

B.The Florida Office of Insurance Regulation (OIR)

C.The Florida Chief Financial Officer (CFO)

D.The Florida Department of Business and Professional Regulation (DBPR)

Explanation: The Florida Office of Insurance Regulation (OIR) has primary regulatory authority over insurance companies in Florida. The OIR is responsible for licensing insurance companies, reviewing rates and forms, and ensuring solvency of insurers operating in the state.

2The Florida Chief Financial Officer (CFO) oversees which of the following entities?

A.The Office of Insurance Regulation only

B.The Department of Financial Services only

C.Both the Office of Insurance Regulation and the Department of Financial Services

D.The Department of Business and Professional Regulation

Explanation: The Florida CFO oversees the Department of Financial Services (DFS), which handles consumer services, insurance fraud investigations, and agent licensing. The OIR is headed by a Commissioner who is appointed by and reports to the Financial Services Commission (Governor and Cabinet), not directly to the CFO.

3What is the Florida 2-20 license?

A.A limited license for selling only auto insurance

B.A General Lines license covering all property and casualty insurance

C.A license for selling life and health insurance only

D.A temporary license valid for 90 days

Explanation: The Florida 2-20 license is a General Lines Property and Casualty license that authorizes the holder to transact all classes of property and casualty insurance, including auto, homeowners, commercial property, general liability, and workers' compensation.

4In Florida, which license type allows an individual to transact insurance only under the supervision of a licensed and appointed general lines agent?

A.2-20 General Lines Agent

B.4-40 Customer Representative

C.2-15 Life, Health and Variable Annuities

D.6-20 Company Representative

Explanation: The 4-40 Customer Representative license is a limited license that allows individuals to transact insurance only under the supervision of a licensed and appointed general lines agent (2-20). Customer representatives cannot operate independently.

5How long does a newly licensed Florida insurance agent have to secure an appointment with an insurer before their license becomes inactive?

A.6 months

B.12 months

C.18 months

D.24 months

Explanation: A newly licensed Florida insurance agent has 12 months to secure an appointment with an insurer. If no appointment is made within 12 months, the license will become inactive and the agent cannot transact insurance until properly appointed.

6What is the minimum age requirement to obtain a Florida insurance agent license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: To obtain a Florida insurance agent license, an individual must be at least 18 years of age. This is a standard requirement for entering into contracts and transacting insurance business.

7Which of the following is NOT a requirement to obtain a Florida 2-20 General Lines license?

A.Be at least 18 years of age

B.Complete a 200-hour pre-licensing course

C.Pass the state licensing examination

D.Have a college degree in business or finance

Explanation: A college degree is NOT required to obtain a Florida 2-20 license. The requirements are: be at least 18 years old, be a resident of Florida, complete the required pre-licensing education (200 hours for classroom or 40 hours online plus self-study), submit an application, and pass the state examination.

8The Florida Insurance Guaranty Association (FIGA) was created to:

A.Provide low-cost insurance to Florida residents

B.Protect policyholders when an insurance company becomes insolvent

C.Offer reinsurance to Florida insurance companies

D.Regulate insurance rates in Florida

Explanation: The Florida Insurance Guaranty Association (FIGA) was created to protect policyholders and claimants when an insurance company becomes insolvent. FIGA handles claims and pays covered claims up to statutory limits when a member insurer fails.

9In Florida, how long is a property and casualty insurance agent's license valid before renewal is required?

A.1 year

B.2 years

C.3 years

D.4 years

Explanation: A Florida property and casualty insurance agent's license is valid for 2 years. The license must be renewed every 2 years, and the agent must complete the required continuing education hours before renewal.

10Which entity in Florida is responsible for investigating insurance fraud?

A.The Office of Insurance Regulation (OIR)

B.The Department of Financial Services (DFS), Division of Insurance Fraud

C.The Florida Attorney General's Office

D.Local law enforcement only

Explanation: The Department of Financial Services (DFS), specifically its Division of Insurance Fraud, is responsible for investigating insurance fraud in Florida. This division has law enforcement powers and works with prosecutors to bring fraud cases to court.

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

25%

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

30%

FL Property Insurance

HO-3 policies, hurricane deductibles, sinkhole coverage, Citizens Property Insurance, FHCF, flood/NFIP

30%

FL Casualty Insurance

PIP/no-fault auto (10/20/10), workers comp requirements, CGL, surplus lines (4.94% tax)

15%

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

1Know PIP basics: $10,000 minimum, 80% medical coverage, no-fault system (PIP being eliminated effective July 2026)

2Understand Citizens: insurer of last resort, take-out companies, assessment authority

3Master hurricane deductibles: 2%, 5%, or 10% of dwelling, per event not per year

4Learn sinkhole coverage: mandatory offering, can be waived, catastrophic ground cover collapse

5Remember FIGA limit: $300,000 per claim, no surplus lines coverage

6Study the PIP-to-tort transition: Florida is eliminating PIP effective July 2026, shifting to bodily injury liability requirements

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.