Nebraska Property & Casualty Exam Overview
Key Takeaways
Nebraska has NO pre-licensing education requirement for P&C insurance - you can test immediately
Combined exam: 150 questions, 2.5 hours (150 minutes), 70% passing score required
Individual exams available: 100 questions each, 2 hours per exam
PSI Services administers the exam with exam fees of $64 (combined) or $57 (individual)
NFIP 3-hour course required ONLY if you plan to sell flood insurance
CE requirement is 24 hours every 2 years including 3 hours of ethics
Nebraska Property & Casualty Insurance Exam Overview
Welcome to OpenExamPrep's FREE Nebraska Property & Casualty Insurance exam prep guide. This comprehensive resource covers Nebraska-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Nebraska P&C Exam
The Nebraska Property & Casualty insurance examination is administered by PSI Services on behalf of the Nebraska Department of Insurance (NDOI). The exam tests your knowledge of:
- Nebraska insurance law and regulations
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- Severe weather and agricultural insurance
- Ethics and professional conduct
- Nebraska-specific consumer protections
Nebraska's Unique Advantages
Nebraska offers one of the most accessible paths to P&C licensing:
| Feature | Nebraska Advantage |
|---|---|
| Pre-Licensing | NONE required - study and test immediately |
| Exam Options | Combined OR individual exams available |
| Exam Fee | Only $64 combined (lower than many states) |
| Flood Insurance | 3-hour NFIP course only if selling flood |
| Market Opportunity | Agricultural, severe weather, and farm insurance |
Exam Structure - Combined Exam
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services |
| Regulatory Authority | Nebraska Department of Insurance (NDOI) |
| Passing Score | 70% or higher |
| Question Format | 150 multiple-choice questions |
| Time Limit | 2.5 hours (150 minutes) |
| Test Delivery | Computer-based at testing centers or remote proctored |
| Results | Immediate |
| Exam Fee | $64 |
| Registration | psiexams.com |
Individual Exam Option
Nebraska also offers individual Property and Casualty exams:
| Exam Type | Questions | Time | Fee | What It Covers |
|---|---|---|---|---|
| Property Only | 100 | 2 hours | $57 | Homeowners, fire, commercial property |
| Casualty Only | 100 | 2 hours | $57 | Auto, liability, workers' comp |
| Combined P&C | 150 | 2.5 hours | $64 | Both property and casualty |
Recommendation: The combined exam at $64 is more cost-effective than taking both individual exams at $57 each ($114 total). Most candidates choose the combined exam.
No Pre-Licensing Education Required
Nebraska is one of the states that does NOT require pre-licensing education for Property & Casualty insurance.
What This Means for You
| State Type | Pre-License Requirement |
|---|---|
| Nebraska | 0 hours - No requirement |
| Most States | 40-60 hours required |
| Kentucky | 40 hours required |
| California | 12 hours (as of 2026) |
Key Points About Nebraska's Policy
- You can schedule your exam immediately without taking any courses
- No education provider costs before testing
- Study at your own pace using free resources like this guide
- Must still demonstrate knowledge by passing the 70% threshold
- The exam itself is comprehensive and challenging
Exam Tip: While no education is required, the exam tests extensive knowledge. Most successful candidates spend 40-60 hours studying before testing. Use this FREE guide and take practice exams before scheduling your exam.
Special Requirement: NFIP Flood Insurance Course
If you plan to sell flood insurance in Nebraska, you MUST complete a 3-hour National Flood Insurance Program (NFIP) course.
NFIP Course Details
| Requirement | Details |
|---|---|
| When Required | ONLY if selling flood insurance |
| Course Length | 3 hours |
| Provider | FEMA-approved provider |
| Content | NFIP policies, coverage, and claims |
| Renewal | Check with NDOI for renewal requirements |
Important: This is separate from your P&C license. You can obtain your P&C license without this course, but you cannot sell flood insurance without completing the NFIP training.
Why Flood Insurance Matters in Nebraska
| Risk Factor | Impact |
|---|---|
| Missouri River | Major flooding risk along eastern border |
| Platte River | Central Nebraska flood plains |
| Flash Flooding | Severe thunderstorm runoff |
| Spring Snowmelt | Annual flooding concerns |
Nebraska Auto Insurance Requirements: 25/50/25
Nebraska requires standard auto insurance minimum limits:
Nebraska Auto Minimum Requirements
| Coverage | Nebraska Minimum | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Injury to one person |
| Bodily Injury (per accident) | $50,000 | Total injury per accident |
| Property Damage | $25,000 | Damage to others' property |
Additional Nebraska Auto Requirements
| Coverage | Requirement |
|---|---|
| Uninsured Motorist (UM) | Must be offered; can reject in writing |
| Underinsured Motorist (UIM) | Must be offered; can reject in writing |
| Medical Payments | Optional |
| No-Fault PIP | NOT required (Nebraska is a tort state) |
Exam and Licensing Costs
Cost Breakdown
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Combined P&C Exam Fee | $64 |
| Individual Exam Fee | $57 per exam |
| Background Check | ~$36 |
| License Application Fee | $50 |
| NFIP Course (if selling flood) | $50-100 |
| TOTAL (Combined Exam) | $150-200 |
Cost Comparison
| State | Total Initial Cost | Nebraska Savings |
|---|---|---|
| Nebraska | $150-200 | -- |
| California | $469-595 | Save $320-400 |
| New York | $500-700 | Save $350-500 |
| Kentucky | $300-450 | Save $150-250 |
Nebraska Advantage: With no pre-licensing education requirement and low exam fees, Nebraska offers one of the most affordable paths to P&C licensing in the nation.
Nebraska Insurance Market Context
Why Nebraska Is Unique
Nebraska presents distinct insurance market opportunities:
-
Severe Weather Exposure
- Located in "Tornado Alley"
- High hail and windstorm frequency
- Severe thunderstorm damage
- Winter blizzards and ice storms
-
Agricultural Economy
- Largest industry in the state
- Farm and ranch insurance needs
- Crop insurance (federal programs)
- Livestock and equipment coverage
-
Flood Risk
- Missouri River flooding
- Platte River basin
- Flash flood exposure
- NFIP participation important
-
Rural Market
- Large geographic territory
- Smaller population centers
- Long distances between insureds
- Personal relationships important
License Application Process
Step-by-Step Process
-
Study and Prepare (Recommended first)
- Complete this FREE study guide
- Review national P&C concepts
- Take practice quizzes
- No pre-licensing course required!
-
Schedule and Pass the Exam
- Register with PSI Services at psiexams.com
- Choose combined ($64) or individual exams ($57 each)
- Select testing center or remote proctored option
- Pass with 70%+ score
-
Complete Background Check
- Required for all applicants
- Cost approximately $36
- Processed through approved vendor
-
Apply for License
- Submit application through NIPR
- Pay $50 license application fee
- Provide all required documentation
- 2-year license term
-
Receive License
- NDOI reviews application
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in Nebraska
-
Optional: Complete NFIP Course
- Only if you plan to sell flood insurance
- 3-hour FEMA-approved course
- Required before writing NFIP policies
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Can retake after paying new exam fee |
| Waiting Period | No mandatory wait (check PSI for scheduling) |
| Retake Fee | Full exam fee for each attempt |
| Attempt Limit | No limit on retake attempts |
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Combined P&C Exam Fee | $64 |
| Background Check | ~$36 |
| License Application Fee | $50 |
| TOTAL (Without NFIP) | ~$150 |
| NFIP Course (optional) | $50-100 |
| TOTAL (With NFIP) | ~$200-250 |
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years (biennial) |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Renewal Fee | $50 |
| Late Renewal | Additional penalty fees apply |
Nebraska Department of Insurance Contact
| Resource | Details |
|---|---|
| Agency | Nebraska Department of Insurance (NDOI) |
| Website | doi.nebraska.gov |
| Consumer Hotline | 1-877-564-7323 (toll-free) |
| Main Phone | (402) 471-2201 |
| doi.consumer@nebraska.gov | |
| Address | 1526 K Street, Suite 200, Lincoln, NE 68508 |
| PSI Registration | psiexams.com |
What This Guide Covers
This FREE study guide focuses on Nebraska state-specific content for the P&C exam:
Chapter 1: Nebraska Insurance Regulation & Licensing
- Nebraska Department of Insurance structure
- Director powers and responsibilities
- Producer licensing requirements and CE
- NFIP flood insurance certification
Chapter 2: Nebraska Property Insurance Laws
- Homeowners insurance requirements
- Severe weather coverage (tornado, hail, wind)
- Farm and agricultural property insurance
- Flood insurance and NFIP
Chapter 3: Nebraska Casualty Insurance Laws
- Auto insurance minimums (25/50/25)
- UM/UIM coverage rules
- Workers' compensation requirements
- Liability insurance regulations
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling requirements
- Nebraska Property and Liability Insurance Guaranty Association
- Producer conduct standards
Note: This guide covers ONLY Nebraska state law. Complete the national Property & Casualty exam prep first for foundational insurance knowledge.
Study Tips for Success
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 hours (none required) |
| Combined exam questions | 150 |
| Individual exam questions | 100 |
| Combined exam time | 2.5 hours (150 minutes) |
| Individual exam time | 2 hours |
| Passing score | 70% |
| Combined exam fee | $64 |
| Individual exam fee | $57 |
| License application fee | $50 |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Auto minimum liability | 25/50/25 |
| NFIP course (if selling flood) | 3 hours |
Nebraska-Specific Topics to Master
- No Pre-License Requirement - One of few states
- 25/50/25 Auto Minimums - Standard limits
- NFIP Flood Course - Required only if selling flood
- Tornado Alley Location - Severe weather coverage
- Agricultural Insurance - Farm and crop coverage
- PSI Testing - Know the exam provider
Next Steps
Ready to begin? Here's your action plan:
- Complete this FREE study guide - Read all 4 chapters
- Study national P&C concepts - See our Property & Casualty exam prep
- Take chapter quizzes - Test your knowledge
- Register with PSI - Schedule your exam
- Choose exam type - Combined ($64) or individual ($57 each)
- Pass exam - With 70%+ score
- Complete background check - ~$36
- Apply for license - Pay $50 fee through NIPR
- Complete NFIP course - Only if selling flood insurance
Remember: Nebraska is one of the most accessible and affordable states for P&C licensing with no pre-license education requirement. This guide focuses on Nebraska-specific content - supplement with national P&C study materials for comprehensive preparation.
Let's get started with Chapter 1: Nebraska Insurance Regulation & Licensing!
How many hours of pre-licensing education does Nebraska require for a Property & Casualty insurance license?
0 hours - no pre-licensing required
20 hours
40 hours
52 hours
What is the exam fee for the combined Property & Casualty exam in Nebraska?
$50
$57
$64
$77
What special course is required ONLY if you plan to sell flood insurance in Nebraska?
No additional course required
3-hour NFIP course
12-hour flood certification
40-hour pre-licensing course
What are Nebraska's minimum auto liability insurance requirements?
15/30/5
25/50/25
50/100/25
100/300/50
Which organization administers the Nebraska P&C insurance exam?
Pearson VUE
PSI Services
Prometric
Nebraska Department of Insurance
How many questions are on the Nebraska combined P&C exam and what is the time limit?
100 questions, 2 hours
150 questions, 2.5 hours
150 questions, 3 hours
182 questions, 3.5 hours
Sections you finish are checked off in the contents.