187+ Free Property & Casualty Practice Questions
Free Property & Casualty practice questions with answers and detailed explanations. Pass your Property and Casualty Insurance (National) exam on the first try with our exam-style questions and AI-powered study assistant.
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About the Property & Casualty Exam
The property and casualty insurance exam covers homeowners, auto, commercial property, liability insurance, and state regulations. This is essential for agents selling property insurance and mortgage protection products.
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
How hard is the property and casualty exam?
The P&C exam is considered moderately difficult with pass rates around 50-60% on the first attempt. Understanding coverage types, exclusions, and endorsements is key. With dedicated study and practice questions, most candidates can pass.
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?
Difficulty varies by individual, but P&C is often considered slightly more complex due to the variety of policy types and endorsements. Both exams require thorough preparation. Focus on understanding coverage forms and exclusions for P&C.
What topics should I focus on?
Focus on homeowners policy forms (HO-2, HO-3, HO-5), auto insurance coverages, liability concepts, and commercial policies. Know the difference between named perils and open perils coverage, and understand common exclusions.