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200+ Free RI Property & Casualty Practice Questions

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Which Rhode Island agency regulates insurance companies and producer licensing?

A
B
C
D
to track
2026 Statistics

Key Facts: RI Property & Casualty Exam

Property: 87

Total Questions (76 scored + 11 pretest)

Pearson RI content outline #124001

Casualty: 93

Total Questions (82 scored + 11 pretest)

Pearson RI content outline #124001

4 hours

Total Time for Both Lines

Pearson RI handbook #124000

70

Scaled Passing Score

Pearson RI handbook #124000

$80

Fee per Major Line

Pearson RI handbook #124000

25/50/25

RI Auto Liability Minimums

RIGL 31-31-7

24 hours

RI CE per 2 Years (incl. 3 ethics)

RI DBR CE requirements

The current Pearson VUE Rhode Island handbook (February 2026) shows $80 per major line with first-time P&C candidates required to register for both Property and Casualty. Each line includes a 1 hour 15 minute general section plus a 45 minute state section, and Rhode Island uses a scaled passing score of 70. The RI outline emphasizes common state law topics across both lines, then adds RIJRA/property rules and auto/workers comp/casualty rules.

Sample RI Property & Casualty Practice Questions

Try these sample questions to test your RI Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Rhode Island agency regulates insurance companies and producer licensing?
A.Rhode Island Department of Labor and Training
B.Rhode Island Department of Business Regulation, Insurance Division
C.Rhode Island Office of the Attorney General
D.Rhode Island Department of State
Explanation: Rhode Island insurance regulation is handled by the Department of Business Regulation, Insurance Division. That division oversees licensing, insurer conduct, and enforcement of state insurance rules.
2What is the passing standard for Rhode Island property and casualty licensing exams?
A.A scaled score of 60
B.A scaled score of 70
C.A scaled score of 75
D.A scaled score of 80
Explanation: Rhode Island uses a scaled passing score of 70. Candidates below that benchmark must retest the line they did not pass.
3How are Rhode Island property and casualty major lines tested for first-time candidates?
A.As one combined exam only
B.As two separate major line exams, and first-time candidates register for both
C.As a state exam first, then a national exam six months later
D.As one oral exam and one written exam
Explanation: Rhode Island treats Property and Casualty as separate major line exams. A first-time P&C candidate must register for both lines.
4How much testing time is allocated per Rhode Island major line exam?
A.General section 60 minutes and state section 60 minutes
B.General section 75 minutes and state section 45 minutes
C.General section 90 minutes and state section 30 minutes
D.General section 120 minutes and state section 30 minutes
Explanation: Each major line exam is structured with a 1 hour 15 minute general section and a 45 minute state section. Together, that totals 2 hours per line.
5What is the exam fee per Rhode Island major line for property or casualty?
A.$60
B.$70
C.$80
D.$95
Explanation: The fee is $80 for each major line exam. Because property and casualty are separate lines, first-time candidates should budget for both exam fees.
6What continuing education must Rhode Island producers complete each 2-year cycle?
A.18 total hours with 2 ethics hours
B.24 total hours with 3 ethics hours
C.24 total hours with 1 ethics hour
D.30 total hours with 3 ethics hours
Explanation: Rhode Island requires 24 total CE hours every two years. At least 3 of those hours must be ethics training.
7What additional training must Rhode Island flood producers complete by first renewal?
A.A 1-hour flood refresher
B.A 2-hour federal flood law update
C.A 3-hour flood training course
D.A 6-hour catastrophe modeling course
Explanation: Rhode Island requires flood producers to complete a 3-hour flood training requirement by first renewal. This is in addition to regular CE cycle obligations.
8Which anti-fraud education rule applies to Rhode Island producers each CE cycle?
A.No anti-fraud training is required
B.1 hour every four years
C.3 hours each CE cycle
D.6 hours at initial licensing only
Explanation: Rhode Island requires 3 hours of anti-fraud education each continuing education cycle. Producers need to account for this requirement when planning CE credits.
9What are Rhode Island minimum auto liability limits?
A.$15,000/$30,000/$10,000
B.$20,000/$40,000/$15,000
C.$25,000/$50,000/$25,000
D.$50,000/$100,000/$50,000
Explanation: Rhode Island minimum limits are 25/50/25. That means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
10What is the purpose of the Rhode Island Automobile Insurance Plan?
A.To provide flood insurance for private passenger autos
B.To assign high-risk drivers who cannot obtain coverage in the voluntary market
C.To replace all private auto insurers in the state
D.To set claim reserves for insolvent carriers
Explanation: Rhode Island uses an assigned risk mechanism called the Rhode Island Automobile Insurance Plan. It helps eligible drivers obtain required auto liability coverage when the voluntary market declines them.

About the RI Property & Casualty Exam

Rhode Island requires first-time P&C candidates to take separate Property and Casualty producer exams. The tested content combines national policy concepts with Rhode Island law, including DBR regulation, RIJRA, 25/50/25 auto minimums, and casualty-specific state requirements.

Questions

180 scored questions

Time Limit

2 hours per line (4 hours total for Property + Casualty)

Passing Score

70 (scaled)

Exam Fee

$80 per line (buy one/get one free if scheduled together) (Rhode Island DBR Insurance Division / Pearson VUE)

RI Property & Casualty Exam Content Outline

31.6%

Property General Knowledge

National property content: policy types, terms, and policy provisions from the Property producer exam

31.6%

Casualty General Knowledge

National casualty content: policy/bond types, liability terms, and policy provisions from the Casualty producer exam

25.3%

Rhode Island Common P&C Law

DBR authority, producer licensing, unfair trade practices, guaranty association, premium financing, and privacy rules tested on both state sections

3.8%

Rhode Island Property-Specific Law

RIJRA, flood notice requirements, lead poisoning coverage rules, and hurricane/windstorm deductible rules

7.6%

Rhode Island Casualty-Specific Law

RI Auto Plan (assigned risk), compulsory auto law, financial responsibility, UM/UIM, workers compensation, and medical malpractice JUA

How to Pass the RI Property & Casualty Exam

What You Need to Know

  • Passing score: 70 (scaled)
  • Exam length: 180 questions
  • Time limit: 2 hours per line (4 hours total for Property + Casualty)
  • Exam fee: $80 per line (buy one/get one free if scheduled together)

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

RI Property & Casualty Study Tips from Top Performers

1Study RI common law first because it appears in both Property and Casualty state sections.
2Memorize exam logistics: two required major-line exams for first-time P&C candidates, 70 scaled pass standard, and 2 hours per line.
3Drill RI-only property topics such as RIJRA, flood notice rules, lead poisoning coverage, and hurricane/windstorm deductible requirements.
4Master RI casualty priorities: RI Auto Plan assigned-risk concepts, compulsory auto law, 25/50/25 minimums, UM/UIM, and workers compensation triggers.
5Use timed mixed sets to build endurance for a full four-hour two-line exam day.

Frequently Asked Questions

Do Rhode Island first-time P&C candidates take one exam or two?

Two exams. Pearson VUE's Rhode Island handbook states first-time Property & Casualty candidates must register for both the Property Producer and Casualty Producer exams.

How long is the Rhode Island Property & Casualty testing time?

Each major line has a 1 hour 15 minute general section and a 45 minute state section, for 2 hours per line. Candidates taking both lines should plan for 4 hours total testing time.

What is the current Rhode Island P&C exam fee?

The handbook lists $80 per major line. It also states a buy one/get one free pricing policy when two major-line exams are scheduled back-to-back in one session.

What score do you need to pass in Rhode Island?

Rhode Island uses a scaled scoring method with a passing score of 70. The numeric score is mainly reported to failing candidates, and a passing result is shown as pass/fail.

What Rhode Island-specific topics should I prioritize?

Focus on RI common producer law first, then RIJRA and property-specific rules, then casualty-specific areas like RI Auto Plan, 25/50/25 financial responsibility, UM/UIM, and workers compensation applicability.