100+ Free MS Property & Casualty Practice Questions
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Key Facts: MS Property & Casualty Exam
55%
Est. First-Time Pass Rate
MS DOI 2024
150 Q
Exam Questions
MS DOI
40 hrs
Pre-License Education
Required
$300K
Guaranty Assoc. Limit
Per claim
25/50/25
Auto Minimums
MS Code
$45
Exam Fee
PSI
Mississippi's P&C insurance exam requires 70% to pass with 150 questions in 2.5 hours. Mississippi requires 40 hours of pre-license education and is a tort liability state for auto insurance. The MS Insurance Guaranty Association provides $300,000 per claim coverage. Mississippi's coastal property insurance market has unique wind pool requirements through the Mississippi Windstorm Underwriting Association (MWUA).
About the MS Property & Casualty Exam
The Mississippi property and casualty insurance exam covers MS DOI licensing requirements, Mississippi Insurance Code, homeowners and dwelling fire policies, auto insurance (including MS tort liability system), commercial coverage, workers compensation, and Mississippi-specific consumer protections including the MS Insurance Guaranty Association.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$45 (Mississippi Department of Insurance / PSI)
MS Property & Casualty Exam Content Outline
MS DOI & Licensing
MS DOI licensing, 40 hrs pre-license education, license types, appointment, CE (24 hrs/2 yrs)
MS Property Insurance
Homeowners, dwelling fire, MWUA wind pool, coastal property, flood insurance requirements
MS Casualty Insurance
MS tort liability auto, general liability, commercial policies, workers compensation
MS Ethics & Practices
MS Insurance Code, unfair practices, Guaranty Association, producer conduct, penalties
How to Pass the MS Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $45
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MS Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How hard is the Mississippi property and casualty insurance exam?
The MS P&C exam has an estimated 55% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Mississippi requires 40 hours of pre-license education. Wind pool coverage through MWUA and coastal property rules are frequently tested.
What is the Mississippi Windstorm Underwriting Association (MWUA)?
The MWUA provides wind and hail coverage in Mississippi's coastal counties where private insurance is unavailable. It covers the first tier coastal counties. Agents must show proof of declination from at least one admitted insurer before placing coverage through MWUA.
Is Mississippi a no-fault or tort state for auto insurance?
Mississippi is a tort liability state. Minimum auto insurance requirements are 25/50/25 ($25,000 per person/$50,000 per accident bodily injury, $25,000 property damage). Mississippi does not require UM/UIM coverage but insurers must offer it.
What is the MS Insurance Guaranty Association?
The Mississippi Insurance Guaranty Association protects policyholders when an insurer becomes insolvent. Coverage is limited to $300,000 per claim. It covers all lines of insurance except life, health, annuities, and workers compensation (which has its own guaranty fund).