Free Practice Questions for Property & Casualty
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Key Facts: Property & Casualty Exam
70%
Florida Passing Score
Pearson VUE Florida candidate handbook
60%
California Passing Score
PSI / California Dept. of Insurance
100-175
Questions (national + state)
Varies by state; includes unscored pretest
60-80 hrs
Study Time
Recommended
$62,280
Median Agent Salary
BLS May 2025
43,100
Annual Job Openings (2025-35)
BLS
The Property & Casualty (P&C) insurance producer exam is a state-administered licensing test of about 100-175 multiple-choice questions, built from a general-knowledge section and a state-law section and delivered by Pearson VUE, PSI, or Prometric depending on the state. Each state sets its passing standard: Florida requires 70% correct, Texas a scaled score of 70, and California 60%. Texas scores the general and state questions together as one exam, so check your own state's candidate handbook for how its sections are scored. With about 43,100 job openings projected each year for 2025-2035 and a $62,280 median agent salary (BLS, May 2025), P&C offers strong career opportunities.
Sample Property & Casualty Practice Questions
Try these sample questions to review concepts for the Property & Casualty exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 235+ question experience with AI tutoring.
1A homeowner leaves their doors unlocked because they have theft coverage on their homeowners policy. This is an example of:
2An insured intentionally sets fire to their warehouse to collect insurance proceeds. This is an example of:
3Which risk management technique involves purchasing an insurance policy?
4An investor purchases stock hoping the price will increase. This is an example of:
5Why is flood insurance typically NOT available from private insurers?
6Which of the following is a pure risk?
7Which statement correctly describes when insurable interest must exist in property insurance compared with life insurance?
8Your insurer pays your $10,000 auto damage claim after another driver hit you. The insurer then sues the at-fault driver. This is an example of:
9An applicant fails to mention a previous arson conviction on their property insurance application. This is an example of:
10In an insurance contract, what is the insured's consideration?
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.
Exam sponsor: State Department of Insurance, delivered by Pearson VUE, PSI, or Prometric. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.
Assessment
Set by each state. Texas General Lines P&C: 145 items (100 general + 30 Texas law scored, 15 pretest) in 150 minutes. Florida 2-20 General Lines: 175 items (160 scored, 15 pretest) in 3 hours. California Property and Casualty: 150 questions in 195 minutes (PSI).
Time Limit
Varies by state (Texas 150 minutes, Florida 3 hours, California 195 minutes)
Passing Score
Varies by state (Florida 70%, Texas scaled 70, California 60%)
Exam / Certification Fees
Varies by state (New York $33, Florida $44, Texas $49, California $55)
Exam sponsor websiteFees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.
Official sources
Our practice resources: topics covered
We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.
Property Policies
Homeowners, dwelling, commercial lines, inland marine and the NFIP (Pearson VUE general-knowledge outline used in Texas and Indiana)
Property Terms and Concepts
Insurable interest, hazards, perils, loss valuation, indemnity and coinsurance
Property Provisions and Contract Law
Policy sections, duties of the insured, appraisal, subrogation, warranties and concealment
Casualty Policies and Bonds
CGL, personal and business auto, workers comp, crime, bonds, umbrella and the BOP
Casualty Terms and Concepts
Negligence, liability, damages, occurrence, binders and representations
Casualty Policy Provisions
Exclusions, insured definitions, cancellation, supplementary payments and other insurance
State Law Section
Separate state outline: 30 scored questions in Texas, 35 in Indiana
Preparing for the Property & Casualty Exam
What You Need to Know
- Passing score: Varies by state (Florida 70%, Texas scaled 70, California 60%)
- Assessment: Set by each state. Texas General Lines P&C: 145 items (100 general + 30 Texas law scored, 15 pretest) in 150 minutes. Florida 2-20 General Lines: 175 items (160 scored, 15 pretest) in 3 hours. California Property and Casualty: 150 questions in 195 minutes (PSI).
- Time limit: Varies by state (Texas 150 minutes, Florida 3 hours, California 195 minutes)
- Exam / certification fees: Varies by state (New York $33, Florida $44, Texas $49, California $55) Official sources
Using Our Practice Resources
- Work through all 235 available questions
- Review every answer and explanation
- Track weak areas and revisit them
- Use our AI tutor for tough concepts
Property & Casualty: Suggested Study Strategy
Frequently Asked Questions
What score do I need to pass the P&C insurance exam?
Each state sets its own passing standard. Florida requires 70% of the questions answered correctly; Texas reports a scaled score from 0 to 100 and requires 70, which is not a percentage correct; California requires 60% on its producer exams. Texas scores the general and Texas-law questions together as one exam rather than as separately passed sections, so check your state's candidate handbook for how its exam is scored. The exam's complexity comes from coverage types, exclusions, and policy forms, so thorough practice is essential.
How hard is the property and casualty exam?
The P&C exam is considered one of the more demanding insurance exams because of the variety of policy forms, coverages, exclusions, and endorsements you must master. Plan for 60-80 hours of study over 4-6 weeks, and pay special attention to your state-law section (30 of the 130 scored questions in Texas).
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?
Many candidates find P&C more challenging due to the variety of policy types, forms, exclusions, and endorsements, plus heavy testing of third-party liability that has no real analog on the Life exam. Focus extra time on homeowners forms and auto coverages.
What topics should I focus on for P&C?
In the Pearson VUE general-knowledge outline used in Texas and Indiana, the two largest sections are property policy types (22 of 100 questions: homeowners, dwelling, commercial lines, inland marine and the NFIP) and casualty policy types and bonds (23: liability, auto, workers comp, crime, bonds and the BOP). Insurance terms take 15 questions on each side, and policy provisions 13 (property) and 12 (casualty). Know the difference between named perils and open perils coverage, then study your state's law section.
How long should I study for the P&C exam?
Plan for 60-80 hours of study over 4-6 weeks. Texas reported a 59% first-time pass rate on its General Lines P&C exam in 2025, so thorough preparation is essential. Complete at least 300 practice questions and score 80%+ consistently before scheduling your exam.