200+ Free NH Property & Casualty Practice Questions
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Key Facts: NH Property & Casualty Exam
150 Q
Exam Length
PSI Services NH candidate bulletin
70%
Passing Score
NHID licensing requirements
25/50/25
FR Minimums
NH Financial Responsibility Law
$72
Exam Fee
PSI Services
No Mandate
Auto Insurance
NH Financial Responsibility Law
24 hrs CE
Biennial Requirement
RSA 402 CE requirements
New Hampshire requires passing the PSI exam (150 questions, 70% to pass) with a $72 fee. Key topics: New Hampshire is one of only two states with NO mandatory auto insurance — instead it uses a Financial Responsibility Law with 25/50/25 minimums for those who carry coverage. Regulation falls under NHID with RSA 402 (licensing), RSA 417 (unfair trade practices), and RSA 281-A (workers compensation). CE requirement is 24 hours biennially.
About the NH Property & Casualty Exam
The New Hampshire Property & Casualty insurance exam covers general insurance principles plus New Hampshire-specific regulations including RSA 402 licensing requirements, RSA 417 unfair trade practices, RSA 281-A workers compensation, the Financial Responsibility Law (NH has NO mandatory auto insurance), 25/50/25 financial responsibility minimums, and producer compliance duties under NHID oversight.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$72 (New Hampshire Insurance Department (NHID) / PSI Services)
NH Property & Casualty Exam Content Outline
NH Regulation & Licensing
NHID structure, Insurance Commissioner role, RSA 402 licensing requirements, PSI testing, producer authority, 24-hour CE biennially, unfair trade practices under RSA 417, rebating prohibition
NH Property Insurance
HO-3 policies, wind/winter storm coverage, flood/NFIP, dwelling fire forms, commercial property, inland marine, New Hampshire FAIR Plan access
NH Casualty Insurance
Financial Responsibility Law (NO mandatory auto insurance), 25/50/25 minimums for those carrying coverage, UM/UIM coverage, workers compensation under RSA 281-A, CGL, surplus lines
NH Ethics & Guaranty
NH Insurance Guaranty Association, unfair claims practices, producer conduct standards, consumer protection, RSA 417 compliance
How to Pass the NH Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $72
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
NH Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How many questions are on the New Hampshire P&C insurance exam?
The NH P&C exam has 150 scored questions. PSI Services administers the exam with 2 hours 30 minutes total. You need 70% to pass (105 correct answers). The exam fee is $72.
Does New Hampshire require auto insurance?
No. New Hampshire is one of only two states that does NOT require mandatory auto insurance. Instead, NH uses a Financial Responsibility Law requiring drivers to demonstrate financial responsibility after an accident. The minimum coverage levels for those who carry insurance are 25/50/25 (bodily injury per person/per accident/property damage).
What are the key New Hampshire insurance laws tested on the exam?
The most important NH insurance statutes are RSA 402 (insurance licensing and producer requirements), RSA 417 (unfair trade practices and consumer protection), and RSA 281-A (workers compensation). Understanding these three chapters is essential for passing the NH-specific portion of the exam.
What is the NH Insurance Guaranty Association?
The New Hampshire Insurance Guaranty Association protects policyholders when an admitted insurer becomes insolvent. It covers claims from property and casualty policies issued in New Hampshire and is funded by assessments on member insurance companies operating in the state.
What are the continuing education requirements for NH P&C producers?
New Hampshire requires 24 hours of continuing education every two years (biennially) for licensed property and casualty insurance producers. CE courses must be approved by the NHID and cover relevant insurance topics including ethics.