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Key Facts: KY Property & Casualty Exam
50 + 50
Questions (Property + Casualty Exams)
Kentucky DOI Property and Casualty examination study outlines (rev. 04-15-2010)
70%
Passing Score (Each Exam)
806 KAR 9:025, Section 2(5)
$50
Exam Fee (Combined for P&C)
Kentucky DOI Division of Licensing fee summary (rev. 4-2021)
20 + 20 hrs
Prelicense Requirement
Kentucky DOI licensing FAQ (20 hours per major line)
24 hrs
Kentucky CE Baseline
Kentucky DOI licensing FAQ (24 hours per compliance period, 3 in ethics)
120 days
Testing Window (Unlimited Attempts)
Kentucky DOI examination schedule and testing sites (8/25/2026)
Kentucky Property and Casualty are two separate 50-question producer exams written and administered by the Kentucky Department of Insurance, with no testing vendor. Each needs 70% to pass under 806 KAR 9:025. Testing is in person by appointment through eServices, the fee is $50 per exam or $50 total when both are requested together, and prelicensing is 20 hours per line.
Sample KY Property & Casualty Practice Questions
Try these sample questions to review concepts for the KY Property & Casualty exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 424+ question experience with AI tutoring.
1Which agency is the primary regulator of insurers and producers in Kentucky?
2Kentucky insurance statutes are primarily codified in which chapter of the Kentucky Revised Statutes?
3How many prelicensing hours are required in Kentucky for a combined Property and Casualty producer applicant?
4Kentucky prelicensing for a combined P&C applicant is typically split into which line-hour structure?
5After completion, how long is a Kentucky prelicensing certificate generally valid for exam eligibility?
6What identification is required at Kentucky insurance test sites?
7What is the minimum continuing education total generally required for Kentucky producer compliance periods?
8Which activity is part of the Kentucky DOI regulatory mission?
9Which statement best describes coverage triggers in homeowners forms commonly tested on Kentucky P&C exams?
10A Kentucky insured with an HO-3 policy has flood damage to the dwelling after river overflow. Which answer is most accurate?
About the KY Property & Casualty Exam
Kentucky's Property & Casualty licensing path tests national policy fundamentals plus Kentucky law, producer duties, auto no-fault/BRB concepts, workers compensation requirements, and market-conduct standards under KRS Chapter 304.
Exam sponsor: Kentucky Department of Insurance (DOI), scheduled through Kentucky eServices. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.
Questions
50 questions
Time Limit
Not published by Kentucky DOI for the producer exams
Passing Score
70% on each exam
Exam / Certification Fees
$50 per exam ($50 total when Property and Casualty are requested together)
Exam sponsor websiteReported exam pass rate: Not published. Kentucky DOI does not publish pass rates for the Property or Casualty producer exams Exam sponsor website
Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.
Official sources
- Kentucky Department of Insurance
- Kentucky DOI Testing Sites and Schedules · Source checked 2026-09-18
- Kentucky DOI Agent Licensing Forms (Property and Casualty study outlines, fee schedule, exam schedule) · Source checked 2026-09-18
- 806 KAR 9:025 Licensing Process (70% passing score) · Source checked 2026-09-18
- Kentucky Court of Justice Background Checks (AOC) · Source checked 2026-09-18
- NIPR Kentucky Resident Licensing Requirements · Source checked 2026-09-18
Our practice resources: topics covered
We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.
Property exam: General Insurance (Units 1-4)
Principles of insurance 6%, the insurance contract 6%, company organization and regulation 2%, the insurance transaction 6% (10 of 50 questions)
Property exam: Personal Lines Property (Units 5, 7-10)
Introduction to property insurance 8%, dwelling 4%, homeowners 10%, personal auto physical damage 6%, miscellaneous personal including flood and FAIR Plans 8% (18 questions)
Property exam: Commercial Lines (Units 11-14, 17, 19)
Commercial package 6%, businessowners 6%, commercial property 6%, ocean and inland marine 4%, commercial crime 6%, miscellaneous commercial 8% (18 questions)
Property exam: Kentucky Law
KRS Chapter 304 agent licensing, unfair practices, cancellation and nonrenewal, guaranty fund, and fraud provisions (4 questions)
Casualty exam: General Insurance (Units 1-4)
Principles of insurance 8%, the insurance contract 8%, company organization and regulation 2%, the insurance transaction 8% (13 of 50 questions)
Casualty exam: Liability Basics and Personal Lines (Units 6, 8-10)
Introduction to liability insurance 8%, homeowners Section II 4%, personal auto 10%, miscellaneous personal including umbrella 4% (13 questions)
Casualty exam: Commercial Lines (Units 11, 12, 15-19)
Commercial package 4%, businessowners 4%, commercial general liability 8%, commercial auto 4%, commercial crime 2%, workers' compensation 10%, miscellaneous commercial 6% (19 questions)
Casualty exam: Kentucky Law
KRS Chapter 304 agent licensing, unfair practices, auto plan, no-fault (KRS 304.39), cancellation and nonrenewal, guaranty fund, fraud, and KRS 342 workers' compensation (5 questions)
Preparing for the KY Property & Casualty Exam
What You Need to Know
- Passing score: 70% on each exam
- Exam length: 50 questions
- Time limit: Not published by Kentucky DOI for the producer exams
- Exam / certification fees: $50 per exam ($50 total when Property and Casualty are requested together) Official sources
Using Our Practice Resources
- Work through all 424 available questions
- Review every answer and explanation
- Track weak areas and revisit them
- Use our AI tutor for tough concepts
KY Property & Casualty: Suggested Study Strategy
Frequently Asked Questions
How many questions and how much time are on the Kentucky Property & Casualty exam?
Kentucky producers take two separate exams: Property with 50 questions and Casualty with 50 questions, per the Kentucky DOI study outlines. Kentucky DOI does not publish a time limit for the producer exams. The 150-question, 190-minute format on the DOI testing page applies to consultant exams.
What does the Kentucky P&C exam cost?
Kentucky's fee schedule lists a $50 examination fee per exam, retake, or failure to appear, and a single combined $50 fee when Property and Casualty are taken at the same time. Changes should be made at least 24 hours ahead, or the $50 fee may be forfeited.
Who administers the Kentucky P&C exam, and can I test online?
The Kentucky Department of Insurance administers its own computerized exams; there is no outside testing vendor. Exams are in person and by appointment only at Frankfort and regional community college sites, scheduled through a Kentucky eServices account. Walk-ins are not accepted and no remote option is offered.
What score do I need, and how do retakes work in Kentucky?
806 KAR 9:025 requires answering 70% of the questions correctly on each exam, which is 35 of 50. An exam cannot be retaken the same day. After paying the $50 retake fee you may reschedule through eServices, with unlimited attempts inside the 120-day application window.
Does Kentucky require prelicense education for Property and Casualty?
Yes. Kentucky producer licensing FAQs indicate 20 hours of approved prelicense education per major line, typically 40 total hours for combined Property and Casualty applicants.
What Kentucky-specific auto concepts should I prioritize?
Prioritize Kentucky no-fault BRB concepts, uninsured/underinsured motorist rules, and financial responsibility minimums. These topics are repeatedly emphasized in Kentucky casualty and law-focused outline areas.
What are Kentucky CE requirements after licensing?
Kentucky CE materials indicate a 24-hour compliance requirement that includes ethics training. CE must be completed on time to keep producer licensing in good standing.
What 2026 Kentucky update affects exam candidates?
Kentucky DOI eServices announced that users transitioned to Kentucky Online Gateway (KOG) credentials effective February 17, 2026. Candidates should ensure their login credentials are current before scheduling or managing appointments.