200+ Free NE Property & Casualty Practice Questions

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Question 1

Score: 0/0

Nebraska minimum motor vehicle liability limits are best shown as:

15/30/10

20/40/15

25/50/25

30/60/25

to track

2026 Statistics

Key Facts: NE Property & Casualty Exam

13-04

Exam Series

Nebraska DOI / PSI Candidate Bulletin

150 + 5

Scored + Unscored

PSI Nebraska 13-04 Outline (effective Feb 1, 2025)

2h 30m

Time Limit

PSI Nebraska 13-04 Outline

70% (105/150)

Passing Standard

Nebraska Candidate Bulletin passing-cut table

$47

Exam Fee

Nebraska Candidate Bulletin fee table

15%

Regulation Weight

PSI Nebraska 13-04 Outline

24 CE / 3 ethics

Biennial CE

Nebraska DOI Education for Licensees

Nebraska series 13-04 is delivered as 150 scored questions plus 5 unscored in 2.5 hours, with a 70% passing standard (105 correct) and a $47 fee. The official blueprint effective February 1, 2025 weights regulation at 15%, general insurance at 10%, and the remaining 75% across P&C product domains including homeowners, auto, commercial package, BOP, workers compensation, and other coverages. Nebraska-specific priorities include 25/50/25 auto minimums, statutory cancellation timelines (44-516 and 44-522), producer reporting deadlines (44-4065), and biennial CE (24 total including 3 ethics).

Sample NE Property & Casualty Practice Questions

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

1Nebraska minimum motor vehicle liability limits are best shown as:

A.15/30/10

B.20/40/15

C.25/50/25

D.30/60/25

Explanation: Nebraska financial responsibility law requires minimum limits of 25/50/25. That means $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Producers should still discuss higher limits because minimum limits can be quickly exhausted.

2Which statement best defines DP-1 basic form in property and casualty insurance?

A.dwelling form that generally covers named basic perils and often settles buildings at ACV unless endorsed

B.dwelling form that expands named-peril coverage and commonly includes VMM for buildings

C.dwelling form with open-peril building coverage and named-peril personal property coverage

D.added named perils such as windstorm, hail, explosion, riot, and civil commotion

Explanation: DP-1 basic form is correct because dwelling form that generally covers named basic perils and often settles buildings at ACV unless endorsed. Nebraska DOI/PSI series 13-04 items frequently test this concept in scenario form, so match the legal or policy function of the term instead of guessing from familiar wording. DP-2 broad form, DP-3 special form, and the other options are different dwelling policy concepts.

3Which statement best defines HO-2 broad form in property and casualty insurance?

A.named-peril homeowners form covering dwelling and contents for listed perils

B.homeowners form with open-peril dwelling coverage and named-peril personal property coverage

C.renters form covering personal property and liability, not the building structure

D.homeowners form generally providing open-peril coverage on both dwelling and contents

Explanation: HO-2 broad form is correct because named-peril homeowners form covering dwelling and contents for listed perils. Nebraska DOI/PSI series 13-04 items frequently test this concept in scenario form, so match the legal or policy function of the term instead of guessing from familiar wording. HO-3 special form, HO-4 contents broad form, and the other options are different homeowners concepts.

4Under Nebraska section 48-106(1), the Workers' Compensation Act generally applies to employers that employ:

A.Five or more employees

B.Three or more employees

C.One or more employees in the regular trade, business, profession, or vocation

D.Only full-time employees

Explanation: Nebraska applies workers compensation broadly to employers with one or more employees in the regular business context, subject to statutory exceptions. This broad threshold is a core state-law test point. Producers should not assume a multi-employee minimum.

5Which Nebraska agency has primary authority over insurance producer licensing and property/casualty market regulation?

A.Nebraska Department of Insurance

B.Nebraska Department of Banking and Finance

C.Nebraska Motor Vehicle Department

D.Nebraska Attorney General Consumer Bureau

Explanation: The Nebraska Department of Insurance (NDOI) is the primary insurance regulator for producers and insurers. It administers licensing, market conduct oversight, and enforcement of Chapter 44. The other agencies have different mandates and do not administer producer licensing exams.

6A certified Nebraska motor vehicle liability policy under section 60-534 must include at least which BI limits?

A.$15,000/$30,000

B.$25,000/$50,000

C.$30,000/$60,000

D.$50,000/$100,000

Explanation: Section 60-534 sets minimum bodily injury liability limits at $25,000 per person and $50,000 per accident, with required property damage minimums as well. This aligns with Nebraska financial responsibility structure. Candidates often miss that certified policies still follow statutory minimum architecture.

7What is the primary purpose of a personal or commercial umbrella liability policy?

A.Replace all underlying auto and CGL policies

B.Provide excess liability limits above underlying policy limits, often with broader terms

C.Provide only first-party property coverage

D.Eliminate all deductibles in underlying policies

Explanation: Umbrella policies are primarily excess liability tools that sit above underlying limits and may add broader protection for covered occurrences. They do not replace underlying required policies. Producers should verify retained limits and drop-down features carefully.

8Nebraska producer property and casualty licensing uses which PSI exam series code?

A.13-22

B.13-04

C.13-23

D.13-21

Explanation: Series 13-04 is the Nebraska Producer Property and Casualty exam. Series 13-22 is Property only, 13-23 is Casualty only, and 13-21 is Personal Lines. Test day logistics and reporting are tied to the exact series number.

9Which statement best defines commercial package policy (CPP) in property and casualty insurance?

A.a policy framework combining multiple commercial coverage parts in one contract

B.CPP section identifying named insured, term, locations, and attached coverage parts

C.conditions applying across all attached CPP coverage parts

D.coverage part insuring building, business personal property, and related interests

Explanation: commercial package policy (CPP) is correct because a policy framework combining multiple commercial coverage parts in one contract. Nebraska DOI/PSI series 13-04 items frequently test this concept in scenario form, so match the legal or policy function of the term instead of guessing from familiar wording. common policy declarations, common policy conditions, and the other options are different commercial package concepts.

10Which statement best defines insurable interest in property and casualty insurance?

A.a lawful financial interest in preserving life or property from loss

B.the principle of restoring insureds to approximate pre-loss financial condition without profit

C.the expectation that both insurer and insured deal honestly and disclose material facts

D.the insurer's right to recover from responsible third parties after paying a loss

Explanation: insurable interest is correct because a lawful financial interest in preserving life or property from loss. Nebraska DOI/PSI series 13-04 items frequently test this concept in scenario form, so match the legal or policy function of the term instead of guessing from familiar wording. indemnity, utmost good faith, and the other options are different property and casualty concepts.

About the NE Property & Casualty Exam

Nebraska producer exam series 13-04 combines national property/casualty fundamentals with Nebraska law on producer licensing, cancellation/nonrenewal, auto financial responsibility, and workers compensation.

Questions

155 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70% (105/150 scored questions)

Exam Fee

$47 (Nebraska Department of Insurance / PSI)

NE Property & Casualty Exam Content Outline

15%

Insurance Regulation

Nebraska DOI authority, producer licensing, appointments, CE, reporting obligations, unfair practices, and market regulation framework

10%

General Insurance

Risk concepts, contract law, insurer structures, underwriting principles, and agency fundamentals

14%

Property and Casualty Basics

Core policy concepts, valuation, indemnity, limits, triggers, and loss-settlement mechanics

31%

Personal Lines Property and Auto

Dwelling (7%), homeowners (11%), and auto (13%) policy forms, exclusions, endorsements, and Nebraska auto-law requirements

24%

Commercial Lines

Commercial package policy (10%), businessowners policy (7%), and workers compensation (7%) concepts and applications

Other Coverages and Options

Umbrella/excess liability, flood/NFIP, surety, inland marine, and specialty coverages

How to Pass the NE Property & Casualty Exam

What You Need to Know

Passing score: 70% (105/150 scored questions)
Exam length: 155 questions
Time limit: 2 hours 30 minutes
Exam fee: $47

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

NE Property & Casualty Study Tips from Top Performers

1Memorize exam logistics first: 155 delivered questions, 150 scored, 2.5 hours, and 70% passing

2Master Nebraska producer compliance deadlines (renewal windows, appointment timing, and 30-day self-reporting duties)

3Learn cancellation and nonrenewal timing distinctions cold: 44-516 vs 44-522

4Drill Nebraska auto law repeatedly: 25/50/25 minimums and UM/UIM 25/50 framework

5Practice workers compensation threshold questions with Nebraska agricultural exceptions

6Use timed mixed sets to build pace near one minute per question and review every miss by statute or policy concept

Frequently Asked Questions

How many questions are on Nebraska series 13-04?

The official Nebraska PSI outline lists 150 scored questions plus 5 unscored questions, for 155 delivered items. Unscored items are mixed into the exam, so treat every question as scored.

What are the Nebraska time limit, passing score, and exam fee?

Nebraska 13-04 uses a 2 hour 30 minute time limit, a 70% passing standard (105 correct of 150 scored), and a $47 exam fee according to the Nebraska candidate bulletin and content outline.

How much of the Nebraska P&C exam is state law and regulation?

Insurance Regulation alone is 15% of the blueprint, and Nebraska-specific legal concepts also appear in auto, cancellation/nonrenewal, workers compensation, and producer-conduct questions.

What Nebraska-specific laws are heavily tested?

High-frequency statutes include producer licensing/renewal and reporting deadlines (44-4054, 44-4061, 44-4065), auto cancellation and nonrenewal timing (44-516, 44-522), auto minimum limits and UM/UIM standards (60-534, 44-6408), and workers compensation applicability (48-106).

What should 2026 candidates verify before scheduling?

Confirm whether Nebraska DOI or PSI has posted a newer content outline than the February 1, 2025 version and re-check current bulletin logistics (fees, policies, and testing procedures) before your exam date.