Property and Casualty Practice Test

If you need help studying for the Property and Casualty License exam or just want some more information about what the test is like, you’ve come to the right place.

Click below to take a free Property and Casualty practice test!

What is the Property and Casualty Exam?

The Property and Casualty exam is used to assess your knowledge about insurance policies related to damage or injury to people’s belongings (casualty) or property. Passing this exam is a mandatory step to become a licensed agent.

Once you become an agent, you’ll sell various types of insurance that covers things like homes, cars, and other valuables.

What’s on the Exam?

Here’s the thing: the specific details of the Property and Casualty exam will be a little different (or a lot different) depending on which state you take the exam in. Each state board issues their own time limit, number of questions, and specific topics to go on their version of the exam.

That being said, these are some of the most common topics found on Property and Casualty exams:

  • Basic insurance concepts
  • Types of property insurance
  • Types of casualty insurance
  • Underwriting and rating principles
  • Handling and processing claims
  • Agent ethics and professionalism
  • Loss prevention and risk control
  • Commercial insurance policies
  • Cancellation and no-renewal procedures

How to Register

Just like the other exam details, the registration process for this exam will vary slightly from state to state.

Generally, you’ll need to contact your state’s insurance board and fill out an application to take the exam. The testing fees will also vary for each state.

Property and Casualty Study Guide and Flashcards

Get practice questions, detailed study lessons, and complex subjects broken down into easily understandable concepts.

Study Guide

Exam Scores

The scoring methods for each state will vary, though most states use a scaled scoring system. This means that for every question you answer correctly, you get one point added to your raw score. At the end of the test, your final raw score will be converted to a scaled score.

The reason your raw score is converted to a scaled score is because everyone that takes the test is given a slightly different set of questions. Since everyone has a different arrangement of questions, and because some questions are harder than others, converting your raw score to a scaled score ensures a more even playing field.

The passing score requirements will also vary from state to state.

Retaking the Exam

If you didn’t get a passing score on your first try, that’s okay! Each state has its own specific rules, but most will allow you to retake the test as many times as you need.