200+ Free TX Property & Casualty Practice Questions
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Key Facts: TX Property & Casualty Exam
145 Q
Exam Questions
TDI/Pearson VUE
110 + 35
National + State Split
TDI exam outline
70%
Passing Score
TDI
30/60/25
TX Auto Minimums
Texas Insurance Code
No req.
Pre-License Education
Self-study allowed
$49ā$62
Exam Fee
Pearson VUE
Texas is the largest P&C market in the US by premium volume. The exam has 145 questions (110 national + 35 state) in 2.5 hours, requiring 70% to pass. Texas does not mandate pre-license education ā you can self-study and sit for the exam. Workers compensation is non-mandatory in Texas (one of few states). TWIA provides wind/hail coverage for 14 coastal counties, and TAIPA is the insurer of last resort for auto. Texas uses modified comparative negligence (51% bar) for liability.
About the TX Property & Casualty Exam
The Texas property and casualty insurance exam covers TDI licensing requirements, Texas Insurance Code, homeowners and dwelling fire policies, commercial property, general liability, Texas auto insurance (comparative negligence), workers compensation (non-mandatory), TWIA (Texas Windstorm Insurance Association), TAIPA (Texas Automobile Insurance Plan Association), and surplus lines regulation.
Questions
145 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$49ā$62 (Texas Department of Insurance (TDI) / Pearson VUE)
TX Property & Casualty Exam Content Outline
TDI Regulation & Licensing
TDI structure, Commissioner of Insurance, license types, no mandatory pre-license education, CE (24 hrs/2 years), appointment rules
TX Property Insurance
Homeowners (HO-A/HO-B/HO-C Texas forms), dwelling fire, commercial property, TWIA (14 coastal counties), TX FAIR Plan, flood insurance
TX Casualty & Auto Insurance
Auto 30/60/25 minimums, modified comparative negligence (51% bar), workers comp (non-mandatory), general liability, TAIPA, surplus lines
TX Ethics & Practices
Texas Insurance Code, unfair practices, producer conduct, guaranty association ($300K per claim), premium financing, claims handling
How to Pass the TX Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 145 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $49ā$62
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
TX Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How many questions are on the Texas property and casualty insurance exam?
The TX P&C exam has 145 total questions: 110 national-level and 35 state-specific, with 2 hours and 30 minutes total. You must score at least 70% to pass. Pearson VUE administers the exam at testing centers statewide.
Does Texas require pre-license education for P&C insurance?
No. Texas is one of the few states that does not mandate pre-license education for P&C insurance. You can self-study and register directly for the exam. However, many candidates take voluntary prep courses. After licensing, 24 hours of CE are required every 2 years.
What is TWIA and why is it important in Texas?
The Texas Windstorm Insurance Association (TWIA) is a residual market that provides wind and hail coverage for property in 14 designated coastal counties and parts of Harris County where private insurers won't write coverage. TWIA is heavily tested because it's unique to Texas and affects a large portion of the state's coastal population.
Why is workers compensation different in Texas?
Texas is one of the only states where workers compensation insurance is non-mandatory (voluntary). Employers who opt out ('non-subscribers') lose certain defenses in employee injury lawsuits. About 20% of Texas employers are non-subscribers, making this a unique and heavily tested topic.
What are Texas auto insurance minimums?
Texas requires minimum auto liability coverage of 30/60/25: $30,000 per person/$60,000 per accident bodily injury and $25,000 property damage. Texas follows modified comparative negligence with a 51% bar ā if you're 51% or more at fault, you recover nothing.