199+ Free NH Property & Casualty Practice Questions

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Question 1

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Which state agency has primary regulatory authority over property and casualty insurance companies and producers in New Hampshire?

New Hampshire Department of Financial Services

New Hampshire Insurance Department (NHID)

New Hampshire Banking Department

New Hampshire Department of Consumer Affairs

to track

2026 Statistics

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.

Sample NH Property & Casualty Practice Questions

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1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in New Hampshire?

A.New Hampshire Department of Financial Services

B.New Hampshire Insurance Department (NHID)

C.New Hampshire Banking Department

D.New Hampshire Department of Consumer Affairs

Explanation: The New Hampshire Insurance Department (NHID) is the primary regulator of all insurance companies and insurance producers in New Hampshire, including property and casualty lines. The NHID enforces the state's insurance laws under RSA 400-A and related chapters. The Department is headed by the Insurance Commissioner, who is appointed by the Governor with the consent of the Executive Council.

2As of July 1, 2025, which testing vendor administers the New Hampshire property and casualty insurance licensing examinations?

A.Prometric

B.Pearson VUE

C.PSI Services LLC

D.ExamFX

Explanation: Effective July 1, 2025, PSI Services LLC became the exclusive testing vendor for New Hampshire insurance licensing examinations, replacing Prometric. This transition means candidates must register with PSI for both in-person and remote proctored exam options. Candidates should visit psiexams.com or call (800) 733-9267 to schedule their examinations.

3What is the minimum age requirement to apply for a New Hampshire property and casualty insurance producer license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: New Hampshire requires all insurance producer license applicants to be at least 18 years of age. This is consistent with most states' minimum age requirements for insurance licensing. Applicants must also be residents of New Hampshire (for resident licenses) and pass the appropriate licensing examination.

4How many total questions and what time limit apply to the combined New Hampshire Property & Casualty Producer licensing exam?

A.100 questions, 2 hours

B.120 questions, 2 hours

C.150 questions, 2.5 hours

D.200 questions, 3 hours

Explanation: The New Hampshire combined Property & Casualty Producer examination (Series 12-64) consists of 150 multiple-choice questions with a time limit of 2.5 hours (150 minutes). Candidates may also take separate Property (100 questions, 2 hours) or Casualty (100 questions, 2 hours) exams if they only need one line of authority.

5What is the passing score requirement for the New Hampshire Property & Casualty insurance licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: New Hampshire requires a passing score of 70% on all insurance licensing examinations, including the Property & Casualty exam. This means candidates must correctly answer at least 105 out of 150 questions on the combined exam. The exam is scored immediately upon completion, and candidates receive a printed score report.

6Does New Hampshire require pre-license education before taking the Property & Casualty insurance licensing exam?

A.Yes, 40 hours of approved pre-license education is required

B.Yes, 20 hours for each line of authority is required

C.No, pre-license education is not required but is recommended

D.Yes, only for non-resident applicants

Explanation: New Hampshire does not require candidates to complete pre-license education before taking the insurance licensing exam. However, the NHID strongly recommends that candidates complete a comprehensive exam preparation course, as the exam covers complex material on insurance products, regulations, and state-specific laws. Many successful candidates use approved study materials to prepare.

7What is the continuing education (CE) requirement for New Hampshire property and casualty insurance producers?

A.16 hours every 2 years

B.24 hours every 2 years, including 3 hours of ethics

C.30 hours every 3 years

D.40 hours every 2 years, including 5 hours of ethics

Explanation: New Hampshire requires licensed property and casualty insurance producers to complete 24 hours of continuing education every 2-year license renewal period. Of these 24 hours, at least 3 hours must be in ethics training. CE courses must be taken through NHID-approved providers, and failure to complete CE can result in license suspension or non-renewal.

8Under New Hampshire law, how long are insurance exam scores valid before a candidate must retest?

A.6 months

B.1 year

C.2 years

D.90 days

Explanation: New Hampshire insurance licensing exam scores are valid for 2 years from the date of the examination. Candidates must apply for their producer license within this 2-year window, or they will need to retake the examination. This provides sufficient time for candidates to complete any other licensing requirements.

9What is the exam fee for the combined New Hampshire Property & Casualty Producer licensing examination?

A.$50

B.$59

C.$72

D.$100

Explanation: The combined New Hampshire Property & Casualty Producer examination fee is $72. This fee must be paid each time a candidate takes the exam. If taking only a single line (Property only or Casualty only), the fee is $59 per exam. Fees are paid directly to the testing vendor (PSI Services) at the time of registration.

10A producer who holds a CPCU (Chartered Property Casualty Underwriter) designation applying for a New Hampshire P&C license must:

A.Take the full Property & Casualty examination

B.Take only the New Hampshire Laws & Regulations examination

C.Is exempt from all examination requirements

D.Must complete 40 hours of pre-license education instead

Explanation: New Hampshire grants an examination waiver for the national portion of the Property & Casualty exam to candidates holding the CPCU (Chartered Property Casualty Underwriter) designation. These candidates only need to take and pass the New Hampshire Laws and Regulations examination (Series 12-81), which covers state-specific insurance laws, rules, and regulations.

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

25%

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

25%

NH Property Insurance

HO-3 policies, wind/winter storm coverage, flood/NFIP, dwelling fire forms, commercial property, inland marine, New Hampshire FAIR Plan access

30%

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

20%

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

1Know the Financial Responsibility Law: NH does NOT require mandatory auto insurance — this is the most tested unique topic

2Understand RSA 402, RSA 417, and RSA 281-A: these three statutes cover licensing, unfair practices, and workers comp

3Learn the 25/50/25 financial responsibility minimums for drivers who choose to carry coverage

4Master NHID regulatory structure: the Insurance Commissioner oversees all licensing and compliance

5Study winter storm and cold-weather property coverage issues unique to New Hampshire's climate

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.