Free Kentucky P&C Exam Prep
Kentucky Property & Casualty Insurance
Prepare for the Kentucky P&C exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
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Kentucky Property & Casualty Insurance: Study Roadmap
Follow this path to organize your exam preparation
National P&C Fundamentals
Master foundational P&C insurance concepts: property insurance basics, casualty insurance principles, policy structures, and general insurance concepts tested on the exam.
Kentucky P&C RegulationsYou are here
Study Kentucky-specific laws including DOI regulations, KRS Chapter 304, auto insurance requirements (25/50/25 minimums), and choice no-fault PIP system.
Kentucky Property Insurance
Learn Kentucky FAIR Plan, homeowners coverage requirements, tornado/severe weather coverage, and Kentucky-specific property regulations.
Kentucky Casualty & Ethics
Master choice no-fault auto system, PIP coverage, workers compensation, the Kentucky Insurance Guaranty Association (KIGA), and producer conduct standards.
Can You Take the Kentucky P&C Exam?
Check if you meet the basic eligibility requirements
- •40 hours pre-license education required (20 per line)
- •Apply through NIPR and pay license and exam fees before scheduling; DOI may take up to 5 business days to process
- •Schedule each exam by appointment through a Kentucky eServices account (no walk-ins)
- •Property and Casualty are two separate 50-question exams; each needs 70% to pass
- •Pre-license certificate valid for 1 year
- •Kentucky is a CHOICE NO-FAULT auto state
- •$10,000 PIP coverage required (can reject in writing)
- •KRS Chapter 304 governs insurance
Kentucky P&C Quick Facts
Time to Get Licensed
From start to license in hand
Retake Policy
Temporary License
Temporary agent license is nonrenewable with a 180-day term ($20 per the Kentucky DOI fee schedule)
Total Cost Breakdown
Exam Exemptions
Holders of these professional designations may be exempt from all or part of the exam:
Chartered Property Casualty Underwriter - may qualify for exam exemption
Certified Insurance Counselor - may qualify for exam exemption
Free Kentucky P&C Prep Tools
424+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
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Independent Study Resources
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What You'll Study
23 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Kentucky Property & Casualty Insurance Exam
1 sections
National Portion: Insurance Fundamentals
5 sections
National Portion: Property Insurance Concepts
5 sections
National Portion: Dwelling Policies (DP)
4 sections
National Portion: Homeowners Policies - Forms & Section I
4 sections
National Portion: Homeowners Policies - Section II & Endorsements
3 sections
National Portion: Personal Auto Policy - Liability & Injury
4 sections
National Portion: Personal Auto Policy - Physical Damage & Duties
3 sections
National Portion: Liability Insurance Concepts
4 sections
National Portion: Commercial Property Insurance
5 sections
National Portion: Commercial General Liability - Coverages
3 sections
National Portion: Commercial General Liability - Limits, Triggers & Exclusions
3 sections
National Portion: Commercial Auto Insurance
5 sections
National Portion: Workers Compensation
5 sections
National Portion: Other Commercial Lines - BOP, Crime & Marine
4 sections
National Portion: Other Commercial Lines - Specialty & Professional
4 sections
National Portion: Other Commercial Lines - Surety, Flood & Specialty
3 sections
National Portion: Insurance Regulation & Market Conduct
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: Kentucky P&C Insurance Regulation & Licensing
2 sections
Chapter 2: Property Insurance in Kentucky
4 sections
Chapter 3: Auto & Casualty Insurance
4 sections
Kentucky P&C-Specific Topics Covered
Kentucky P&C Exam Details
Kentucky Property & Casualty Insurance
Administered by Kentucky Department of Insurance (DOI)
Exam Content Breakdown
Based on the official Kentucky Department of Insurance (DOI) content outline
Principles of insurance 6%, the insurance contract 6%, company organization and regulation 2%, the insurance transaction 6% (10 of 50 questions)
Introduction to property insurance 8%, dwelling 4%, homeowners 10%, personal auto physical damage 6%, miscellaneous personal including flood and FAIR Plans 8% (18 questions)
Commercial package 6%, businessowners 6%, commercial property 6%, ocean and inland marine 4%, commercial crime 6%, miscellaneous commercial 8% (18 questions)
KRS Chapter 304 agent licensing, unfair practices, cancellation and nonrenewal, guaranty fund, and fraud provisions (4 questions)
Principles of insurance 8%, the insurance contract 8%, company organization and regulation 2%, the insurance transaction 8% (13 of 50 questions)
Introduction to liability insurance 8%, homeowners Section II 4%, personal auto 10%, miscellaneous personal including umbrella 4% (13 questions)
Commercial package 4%, businessowners 4%, commercial general liability 8%, commercial auto 4%, commercial crime 2%, workers' compensation 10%, miscellaneous commercial 6% (19 questions)
KRS Chapter 304 agent licensing, unfair practices, auto plan, no-fault (KRS 304.39), cancellation and nonrenewal, guaranty fund, fraud, and KRS 342 workers' compensation (5 questions)
What's Included
23 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
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What's Next After the Kentucky P&C?
After passing the Kentucky P&C, you can pursue these career paths
Kentucky P&C Exam FAQ
Official Kentucky Department of Insurance (DOI) Resources
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