1087+ Free Property & Casualty Practice Questions
Pass your Property and Casualty Insurance (National) exam on the first try with exam-style questions and AI tutor.
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Key Facts: Property & Casualty Exam
50-60%
First-Time Pass Rate
National average
43%
California Pass Rate
State data
70%
Passing Score
105/150 questions
60-80 hrs
Study Time
Recommended
$60,370
Median Agent Salary
BLS 2024
47,000
Annual Job Openings
BLS
The Property & Casualty (P&C) insurance exam has only a 50-60% first-time pass rate nationally, with California's exam at just 43%. It requires 70% to pass (105/150 questions). Property and Auto sections each account for 25% of the exam. With 400,000 insurance professionals retiring by 2026 and 47,000 annual job openings (BLS), P&C offers strong career opportunities.
About the Property & Casualty Exam
The property and casualty insurance exam covers homeowners, auto, commercial property, liability insurance, and state regulations. This license is essential for agents selling auto, home, and commercial insurance.
Questions
150 scored questions
Time Limit
2 hours
Passing Score
70%
Exam Fee
$50-150 (State Insurance Commissioner)
Property & Casualty Exam Content Outline
Property Insurance
Homeowners, dwelling, commercial property, and inland marine
Auto Insurance
Personal auto, commercial auto, and no-fault coverage
Liability Insurance
CGL, professional liability, and umbrella policies
Commercial Insurance
BOP, workers comp, and commercial packages
Regulations & Claims
State laws, claims process, and producer conduct
How to Pass the Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours
- Exam fee: $50-150
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
What is the P&C insurance exam pass rate?
The Property & Casualty exam has a first-time pass rate of only 50-60% nationally. California's P&C exam has just a 43% pass rate, making it one of the hardest. The low pass rate reflects the complexity of coverage types, exclusions, and policy forms. Thorough preparation with 300+ practice questions is essential.
How hard is the property and casualty exam?
The P&C exam is considered one of the more difficult insurance exams with pass rates around 50-60% on the first attempt. Understanding coverage types, exclusions, and endorsements is key. Plan for 60-80 hours of study over 4-6 weeks.
What does property and casualty insurance cover?
P&C insurance protects against property damage and liability claims. Property insurance covers physical damage to homes, autos, and businesses. Casualty (liability) insurance covers legal liability for injuries or damages you cause to others.
Is P&C easier than life and health?
Most find P&C more challenging due to the variety of policy types, forms, and endorsements. Life & Health has pass rates of 65-85% compared to P&C's 50-60%. Focus extra time on homeowners forms and auto coverages.
What topics should I focus on for P&C?
Focus on homeowners policy forms (HO-2, HO-3, HO-5 account for 25% combined with property), auto insurance coverages (25%), liability concepts (20%), and commercial policies (15%). Know the difference between named perils and open perils coverage.
How long should I study for the P&C exam?
Plan for 60-80 hours of study over 4-6 weeks. Given the lower pass rates, thorough preparation is essential. Complete at least 300 practice questions and score 80%+ consistently before scheduling your exam.