About the exam
P&C Exam structure
Property and casualty insurance producer prep with 601 original practice questions, flashcards, weighted mocks, and topic recovery.
Issuer and path
Property and Casualty Insurance License Exam Prep is administered through State insurance departments / testing vendors. Check official resources before booking, retesting, or relying on a stale requirement.
Types of Property Policies
22 scored + 2 pretest
Dwelling, homeowners, commercial property, inland marine, flood, equipment breakdown, and specialty property coverage.
Property and Casualty Terms and Concepts
15 scored + 1 pretest
Risk, hazards, perils, loss, valuation, insurable interest, indemnity, negligence, liability, and damages.
Policy Provisions and Contract Law
13 scored + 1 pretest
Declarations, insuring agreement, conditions, exclusions, duties, other insurance, subrogation, underwriting, and privacy.
Liability, Auto, Commercial Policies and Bonds
23 scored + 2 pretest
CGL, personal and business auto, workers compensation, crime, bonds, professional liability, umbrella, excess, and BOP.
Additional Insurance Terms and Related Concepts
15 scored + 1 pretest
Loss valuation, negligence, occurrence, binders, warranties, representations, concealment, certificates, damages, FCRA, and endorsements.
Property and Casualty Policy Provisions
12 scored + 1 pretest
Declarations, insuring agreement, conditions, exclusions, insured definitions, duties after loss, cancellation, claims, other insurance, subrogation, settlement, and TRIA.
Before you schedule
P&C exams are state-administered. Confirm your state's latest outline, state-law supplement, prelicensing requirements, line of authority, fees, and retake rules.
Official Outline Coverage Map
Coverage is mapped to official outline item counts so content depth can be checked without hard-coding a single exam.
| Topic | Official outline items | Your questions | Your flashcards | Confidence |
|---|---|---|---|---|
| Homeowners, Dwelling and Personal Property Coverage | 8 | 50 | 10 | Priority |
| Commercial Property, Inland Marine and Business Income | 8 | 45 | 10 | Priority |
| Flood, Earthquake and Specialty Property Risks | 6 | 37 | 8 | Good |
| Risk, Hazards, Perils and Loss Valuation | 8 | 45 | 10 | Strong |
| Liability, Negligence and Damages | 7 | 45 | 10 | Priority |
| Policy Parts, Claims Duties and Other Insurance | 7 | 40 | 10 | Priority |
| Contract Law, Underwriting and Privacy | 6 | 38 | 8 | Good |
| Commercial General Liability and Business Liability | 8 | 45 | 10 | Priority |
| Personal Auto, Business Auto and Workers Compensation | 8 | 50 | 10 | Priority |
| Crime, Bonds, Professional Liability, Umbrella and Excess | 7 | 43 | 10 | Good |
| Loss Valuation, Legal Terms and Compliance Concepts | 8 | 45 | 10 | Strong |
| Binders, Endorsements, Certificates and FCRA | 7 | 45 | 8 | Good |
| Claims, Settlement, Subrogation and TRIA | 12 | 73 | 10 | Priority |
How to use this guide
How to study Property & Casualty
Treat every P&C item as an exposure map: identify the property or liability risk, policy form, covered cause, provision, and state-law rule.
1. Identify the exposure
Name the property, liability, auto, workers compensation, crime, bond, professional, umbrella, or specialty risk.
2. Match the policy form
Choose the coverage form, covered cause, insured status, valuation method, and limit structure.
3. Apply conditions and exclusions
Check declarations, insuring agreement, definitions, exclusions, conditions, endorsements, and duties after loss.
4. Add state-law overlay
Use your state supplement for licensing, cancellation, nonrenewal, auto requirements, unfair claims, rates, forms, and guaranty rules.
Core pattern
Map property exposures before memorizing forms
Homeowners, dwelling, commercial property, inland marine, flood, and specialty forms each answer a different risk.
Homeowners, Dwelling and Personal Property Coverage
Property policy questions often begin with whether the exposure is owner-occupied, tenant, dwelling, personal property, or scheduled property.
Choose a topic to open below
Commercial Property, Inland Marine and Business Income
Commercial property questions test building and business personal property, causes of loss, business income, extra expense, and mobile property coverage.
Choose a topic to open below
Flood, Earthquake and Specialty Property Risks
Specialty property items test perils commonly excluded from standard property forms and coverage that must be added separately.
Choose a topic to open below
Largest section
Liability lines reward precise definitions
CGL, auto, workers compensation, bonds, professional liability, umbrella, and excess items usually turn on one defined term.
Commercial General Liability and Business Liability
CGL and business liability items test premises and operations, products and completed operations, occurrence vs claims-made, limits, insured status, and BOP liability.
Choose a topic to open below
Personal Auto, Business Auto and Workers Compensation
Auto and workers compensation questions test liability, medical payments, physical damage, uninsured motorists, covered autos, employers liability, and work-related injury rules.
Choose a topic to open below
Crime, Bonds, Professional Liability, Umbrella and Excess
Special liability items test employee dishonesty, theft, robbery, burglary, surety, fidelity, E&O, D&O, malpractice, EPLI, cyber, liquor, umbrella, and excess coverage.
Choose a topic to open below
Homeowners, Dwelling and Personal Property Coverage
Property policy questions often begin with whether the exposure is owner-occupied, tenant, dwelling, personal property, or scheduled property.
Key rules
Rule 1
Homeowners policies combine property and liability coverage for eligible residential risks.
Exam cue: Identify the insured property and occupancy first.
Rule 2
Dwelling forms focus on residential property coverage and can differ by named-peril or open-peril structure.
Exam cue: Separate dwelling, other structures, personal property, and loss of use.
Rule 3
Personal property coverage turns on covered property, special limits, exclusions, and valuation.
Exam cue: For covered causes of loss, decide named peril or open peril.
Common traps
Using homeowners coverage for an ineligible commercial exposure.
Prevention: Avoid answers that ignore exclusions, claim duties, valuation method, insured status, or state-specific cancellation and claim rules.
Treating special limits as broad unlimited coverage.
Prevention: Avoid answers that ignore exclusions, claim duties, valuation method, insured status, or state-specific cancellation and claim rules.
Ignoring occupancy or vacancy facts.
Prevention: Avoid answers that ignore exclusions, claim duties, valuation method, insured status, or state-specific cancellation and claim rules.
Memory anchors
Homeowners Policy
A homeowners policy combines residential property coverage with personal liability coverage.
Dwelling Coverage
Dwelling coverage protects the described residential structure.
Other Structures
Other structures coverage applies to detached structures on the residence premises.
Personal Property
Personal property coverage applies to covered personal belongings subject to limits and exclusions.
Loss of Use
Loss of use can cover additional living expense or fair rental value after a covered loss.
Named Perils
Named-peril coverage applies only to listed causes of loss.
Open Perils
Open-peril coverage applies unless the cause of loss is excluded.
Scheduled Property
Scheduled property coverage specifically lists higher-value items.
Vacancy
Vacancy can restrict or eliminate certain coverages after the policy's vacancy period.
Replacement Cost
Replacement cost pays without depreciation subject to policy terms.
Next best moves
Quick check-up
Use a short quiz to confirm the rule pattern is actually sticking.
Check-up Questions
A homeowner wants one policy that covers the residence, personal belongings, additional living expense, and personal liability. Which policy is designed for this combination?
A windstorm tears shingles from the roof of an insured house. Under a homeowners policy, which coverage applies to the direct damage to the house itself?
Answer all questions to submit.
Next step personalized recommendations
Open another topic next
Official resources
Verify the details with the official sources
Use these links for eligibility, scheduling, handbook rules, and issuer updates. Our guide helps you study; official sources tell you what the testing partner currently requires.
Texas Insurance Content Outlines - Pearson VUE
Public content outline with Property and Casualty general-knowledge and state-specific sections.
Texas Department of Insurance Licensing Exams
Pearson VUE exam page with candidate handbook and content-outline downloads for Texas insurance exams.
Illinois Insurance Content Outlines - Pearson VUE
Recent state insurance outline showing property, casualty, personal lines, and state-law topic structures.
FAQ
Common P&C questions
Is Property & Casualty the same in every state?
No. The core insurance concepts are similar, but state supplements can change licensing, cancellation, auto, rate/form, claims, and unfair-practice answers.
Does this replace my state candidate handbook?
No. Use this as a full core study bank, then verify your current state handbook, outline, exam length, passing score, and state-law supplement.
What should I study first?
Start with P&C terminology and property policy forms. Then move into contract provisions, CGL, auto, workers compensation, bonds, umbrella, and claims.
Are these real insurance exam questions?
No. These are original practice questions aligned to public content outlines. They are not copied from secure exam material.
How should I use the 601 questions?
Use topic drills for specific policy forms, section drills for official-outline blocks, and the weighted mock to preserve the 22/15/13/23/15/12 core mix.