Insurance · Property & Casualty Insurance
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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.
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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.
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).
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