WGU TutoringAbout Us
UF GPA CalculatorUCF GPA CalculatorUC GPA CalculatorASU GPA CalculatorLSAC GPA CalculatorPurdue GPA CalculatorLSU GPA CalculatorRutgers GPA CalculatorOSU GPA CalculatorIU GPA CalculatorUW GPA CalculatorWKU GPA CalculatorTAMU GPA CalculatorUIUC GPA CalculatorUT Austin GPA CalculatorUofSC GPA CalculatorBerkeley GPA CalculatorUNL GPA CalculatorUTK GPA CalculatorUARK GPA CalculatorMizzou GPA CalculatorPenn State GPA CalculatorNYU GPA CalculatorUMich GPA CalculatorFSU GPA CalculatorUCLA GPA CalculatorGeorgia Tech GPA CalculatorUGA GPA CalculatorUNC GPA CalculatorVirginia Tech GPA CalculatorMSU GPA CalculatorUMN GPA CalculatorUofA GPA CalculatorUMD GPA CalculatorCU Boulder GPA CalculatorNC State GPA CalculatorPitt GPA CalculatorUofU GPA CalculatorUOregon GPA CalculatorTemple GPA CalculatorUH GPA CalculatorView All Resources →
Praxis32SHRM4CompTIA12HRCI3GED7HiSET4PMP2Nursing17ASVAB2Real Estate4Cloud3Finance3Safety & Trades7IT Security3Fitness3Behavioral Health3Teacher Certification2Engineering1Insurance2View All Practice Questions →
Contact
Insurance Practice Questions

Property & Casualty Insurance Practice Questions

Property & Casualty Insurance License Exam — Sharpen your prep with a free property and casualty insurance practice test. Questions cover homeowners forms, auto coverage, commercial lines, liability, and producer ethics — each with a plain-English explanation so the concepts actually stick.

150
Total Questions
2-3 hours
Time Limit
70% (varies by state)
Passing Score
$40-$75
Registration Fee

Free Sample Questions

Here are 5 free sample questions from our full bank of 500+ Property & Casualty Insurancepractice questions. Try them out below — click "Show Answer" to reveal the correct response and explanation.

1

An HO-3 homeowners policy provides what type of coverage on the dwelling itself?

AA) Open perils (special form) — covered unless specifically excluded
BB) Named perils only — covered only if the cause is listed
CC) Actual cash value with a 50% coinsurance clause
DD) Liability coverage only, with no protection for the structure
2

A commercial general liability (CGL) policy is written on an occurrence basis. A claim is reported in 2026 for bodily injury that happened back in 2023. Which policy responds?

AA) The policy in force when the claim was reported (2026)
BB) Whichever policy has the highest available limits
CC) No policy responds because the injury is too old
DD) The policy that was in force when the injury actually occurred (2023)
3

Under a personal auto policy, which coverage pays for damage to your own vehicle caused by hitting a deer?

AA) Collision coverage
BB) Comprehensive (Other Than Collision) coverage
CC) Property damage liability coverage
DD) Uninsured motorist property damage coverage
4

A business owner buys a Business Owners Policy (BOP). Which of the following is typically NOT included in a standard BOP?

AA) Property coverage on the building and business personal property
BB) Business income (interruption) coverage
CC) Workers' compensation coverage
DD) General liability coverage for premises and operations
5

An insurance producer collects premium from a client but deposits it into their personal checking account instead of forwarding it to the insurer. This act is best described as:

AA) Commingling and conversion of funds — a serious ethics and licensing violation
BB) A permissible practice as long as the premium is eventually paid
CC) Rebating, which is allowed in most states
DD) Twisting, which only applies to life insurance policies

Get the Full Property & Casualty Insurance Question Bank — 500+ Practice Questions

You just saw 5 sample questions. We have a complete bank of 500+ Property & Casualty Insurancepractice questions with detailed answers and explanations ready for you. Fill out the form below and we'll send you the full question bank — completely free.

We'll send the full question bank to this email.

We won't spam you. Just a quick follow-up if needed.

All fields are required.

About the Property & Casualty Insurance

Format & Structure

Total Questions
150
Time Limit
2-3 hours
Format
Multiple choice (computer-based)

Scoring & Cost

Passing Score
70% (varies by state)
Registration Fee
$40-$75

Related Practice Questions

Life Insurance Practice Test

Start Practicing

Insurance Practice Questions Hub

Start Practicing

Frequently Asked Questions

What is the property and casualty insurance license?

The P&C license is a state-issued credential that lets you sell, solicit, and negotiate property and casualty insurance products. That covers a wide range — homeowners, auto, commercial property, general liability, workers' comp, and more. Each state runs its own licensing exam, but the core content overlaps heavily, so studying a national-style property and casualty insurance practice test prepares you well no matter where you're testing.

How hard is the P&C exam?

It's not impossible, but it catches a lot of people off guard. The terminology is dense, and questions often hinge on subtle distinctions — occurrence vs. claims-made, replacement cost vs. actual cash value, named perils vs. open perils. Most first-time test takers pass if they put in 40-60 hours of focused study. The folks who fail usually skipped the practice questions and tried to memorize from a textbook alone.

How long should I study for the P&C insurance exam?

Plan for 2-4 weeks if you're working full-time and studying in the evenings. That works out to roughly 40-80 hours total. Use the first half of your study time on the textbook and concepts, then shift hard toward practice questions in the back half. Taking a p&c insurance practice test free or paid in timed conditions surfaces your weak spots faster than passive reading ever will.

What's the difference between property and casualty insurance?

Property covers physical assets — the house, the car, the building, the inventory inside it. Casualty (sometimes called liability) covers legal responsibility to others when you cause them harm or damage. A homeowners policy is a great example of both: it pays to repair your roof after a storm (property) and defends you if a guest slips on your steps and sues (casualty). The license bundles both because nearly every P&C policy includes elements of each.

Can I take the P&C exam online?

In most states, yes — online proctored testing through providers like PSI, Pearson VUE, or Prometric has become standard. You'll need a quiet room, a webcam, a clean desk, and a stable internet connection. Some states still require in-person testing at an approved center. Check your state's department of insurance website to confirm what's available where you live.

How much does the P&C license exam cost?

Exam fees usually land somewhere between $40 and $75 per attempt, depending on the state. Add the cost of pre-licensing education (often $100-$300 if your state requires it), fingerprinting and background checks ($30-$80), and the license application fee itself. All-in, expect to spend roughly $200-$500 before you have a license in hand.

What if I fail the P&C exam — can I retake it?

Yes. Every state allows retakes, though the waiting period and rules differ. Some states let you reschedule the next day; others require a 24-hour to 7-day wait. You'll pay the exam fee again each time. If you fail, request your score report — most reports break down performance by section so you can target your study before the next attempt.

How long is my P&C insurance license valid?

Most states issue P&C licenses on a two-year renewal cycle, though some run three or four years. You'll need to complete continuing education (CE) credits before renewing — usually 20-24 hours per cycle, with a few of those hours dedicated to ethics. Miss your renewal deadline and you may face late fees, or in worst cases, have to re-test entirely. Set a calendar reminder the day you pass.

Get 500+ Property & Casualty Insurance Practice Questions

Don't settle for just 5 sample questions. Request the full question bank and start preparing with confidence.

Get Started