Standalone Coverage Map
Key Takeaways
- About two-thirds of the Oklahoma P&C exam is national insurance principles; the remaining third is Oklahoma statutes and OID rules.
- Oklahoma questions are fact-heavy, so memorize exact deadlines, dollar amounts, and definitions rather than relying on reasoning.
- Study national framework chapters (1-8) first, then layer the Oklahoma-specific chapters (9-13) in a tight final stretch.
- Use the blueprint-to-chapter table to verify every exam area maps to a study chapter before test day.
- Finish with interleaved national and Oklahoma practice to match how the live exam blends both layers in single questions.
How to Use This Coverage Map
The Oklahoma Property & Casualty Producer examination is one combined PSI exam. Its official outline assigns 38 of 150 scored items to licensing, Oklahoma statutes and rules, state auto law, and state workers compensation, with the other 112 scored items assigned to policy, concept, provision, and contract-law domains. Those are exact official item counts, not estimated vendor percentages.
This coverage map is your orientation document: it ties every blueprint area to the exact study guide chapters that teach it, flags which layer (national versus Oklahoma) each chapter belongs to, and lays out the order in which to study so you build the conceptual framework first and bolt the fact-heavy Oklahoma rules on at the end.
Treat the national portion as the grammar of insurance and the Oklahoma portion as the local dialect. The grammar — risk, indemnity, insurable interest, policy structure, the ISO dwelling, homeowners, personal auto, CGL, commercial property, workers compensation, and the specialty lines — rarely changes from state to state, so it is best learned through understanding. The Oklahoma layer is mostly memorization: exact license-renewal cycles, continuing-education hours, claim-payment deadlines, financial-responsibility limits, and the specific unfair-trade-practice statutes in Title 36 of the Oklahoma Statutes.
Many live questions blend both layers in a single stem, so do not study them in isolation.
Blueprint Area to Chapter Map
Use this table to confirm that every exam area maps to at least one study chapter before test day. National-portion chapters are numbered as ISO/national topics; Oklahoma chapters are flagged OK.
| Blueprint area | Layer | Study chapters |
|---|---|---|
| Insurance fundamentals (risk, hazard, peril, law of large numbers, insurable interest, indemnity, contract law, policy structure, producer authority) | National | Insurance Fundamentals |
| Property concepts (causes of loss, ACV vs. replacement cost, coinsurance, deductibles, policy conditions) | National | Property Insurance Concepts |
| Dwelling policies (DP-1/DP-2/DP-3, coverages, perils, mobile home) | National | Dwelling Policies |
| Homeowners — Section I (forms HO-2 through HO-8, Coverages A-D, perils, exclusions, RC vs. ACV) | National | Homeowners Forms & Section I |
| Homeowners — Section II (personal liability, medical payments, conditions, endorsements) | National | Homeowners Section II |
| Personal auto policy (Parts A-F, liability, medical, UM/UIM, physical damage, duties, no-fault) | National | Personal Auto Policy 1 & 2 |
| Liability concepts (negligence, torts, damages, occurrence vs. claims-made, BI/PD) | National | Liability Insurance Concepts |
| Commercial property (CPP, BPP, causes-of-loss forms, business income, BOP) | National | Commercial Property |
| Commercial general liability (Coverages A/B/C, limits, triggers, exclusions) | National | CGL 1 & 2 |
| Commercial auto (BACF symbols, liability, physical damage, MCS-90, garage) | National | Commercial Auto |
| Workers compensation (statutory benefits, Part One/Two, premium, experience mod, federal acts) | National | Workers Compensation |
| Other commercial lines (BOP, crime, inland/ocean marine, farm, umbrella, professional E&O, D&O, surety, NFIP, cyber) | National | Other Commercial Lines 1-3 |
| Insurance regulation & market conduct (McCarran-Ferguson, rates/forms, solvency, guaranty fund, producer operations) | National | Regulation & Market Conduct |
| Ethics & unfair trade practices (UTPA, fiduciary duty, privacy, fraud) | National | Ethics & Unfair Trade Practices |
| Oklahoma regulation & licensing (OID, Commissioner, license types, CE, NIPR) | OK | OK Chapter 1: Regulation & Licensing |
| Oklahoma property insurance rules (homeowners, dwelling, commercial, wind/hail) | OK | OK Chapter 2: Property in Oklahoma |
| Oklahoma auto & casualty (compulsory liability, financial responsibility, UM, no-fault status) | OK | OK Chapter 3: Auto & Casualty |
| Oklahoma ethics & consumer protection (Title 36 UTPA, claim deadlines, replacement, fraud) | OK | OK Chapter 4: Ethics & Consumer Protection |
Recommended Study Sequence
Work through the guide in three passes so that comprehension precedes memorization:
- Build the national framework (weeks 1-3). Read the fundamentals and property-concepts chapters first; they define the vocabulary every later chapter assumes. Then move through dwelling, homeowners, and personal auto — the personal-lines block is the heaviest single chunk of national questions. Finish the national pass with the commercial block (commercial property, CGL, commercial auto, workers compensation) and the specialty/other-lines chapters.
- Drill the regulation and ethics chapters (week 4). The national regulation and ethics chapters introduce concepts — guaranty funds, the NAIC model UTPA, fiduciary duty — that the Oklahoma chapters then localize with exact statutes and dollar amounts.
- Layer the Oklahoma rules and interleave (weeks 4-5). Study the four Oklahoma chapters last, while the national framework is fresh, and memorize the precise figures: the 24-hour CE cycle, the two-year license term, claim-payment and proof-of-loss deadlines, and Oklahoma's compulsory auto-liability limits. Close with mixed practice that alternates national and Oklahoma questions, because the live exam routinely embeds an Oklahoma deadline inside a national coverage scenario.
A practical readiness check: you should be able to state, from memory, Oklahoma's minimum auto-liability limits, its continuing-education requirement, and at least five enumerated unfair claims-settlement practices, while also explaining how coinsurance, anti-concurrent causation, and occurrence triggers work nationally. When both layers feel automatic, you are ready to sit the exam.