Property and Casualty Insurance Practice Exam & Simulator
Master the official Property and Casualty Insurance License Exam curriculum. Train with 100 authentic, scenario-based questions with comprehensive 4-option distractor autopsies, authoritative citations, and an interactive timed mock engine.
Official Blueprint Domain Distribution
Every practice question in our engine maps directly to the official candidate blueprint:
Insurance Fundamentals, Risk & Contract Law
Pure risk vs speculative risk, insurable interest at time of loss, principle of indemnity, legal contract elements (offer/acceptance, consideration, competent parties, legal purpose), warranties vs representations, and subrogation rights.
Property Insurance Policies & Coinsurance
Homeowners policies (HO-2 Broad, HO-3 Special, HO-4 Contents/Renters, HO-5 Comprehensive, HO-6 Unit-Owners, HO-8 Modified), Dwelling policies (DP-1 Basic, DP-2 Broad, DP-3 Special), Coinsurance formula calculations, Actual Cash Value (ACV) vs Replacement Cost, and basic/broad/special named perils vs open perils.
Casualty, Liability & Personal Auto Policy (PAP)
Personal Auto Policy (Part A Liability, Part B Med Pay, Part C UM/UIM, Part D Damage to Your Auto - Collision vs Other Than Collision), Split limits calculation (e.g. 25/50/25), Commercial General Liability (CGL Occurrence vs Claims-Made triggers, retroactive date), Workers' Compensation statutory benefits, and Umbrella / Excess liability.
Commercial Packages, Inland Marine & Bonds
Commercial Package Policy (CPP) modular components, Businessowners Policy (BOP) eligibility and automatic coverages, Nationwide Inland Marine Definition (instrumentalities of transportation, personal property floaters), and Surety Bonds vs Insurance (principal, obligee, surety).
Statutory Provisions, Ethics & State Regulations
Insurance Commissioner administrative powers, producer licensing qualifications, fiduciary responsibility for premium handling, prohibited unfair trade practices (rebating, twisting, defamation, boycott, coercion, false advertising), and Fair Credit Reporting Act (FCRA) consumer disclosures.
Interactive Exam Simulator
Choose between the timed 100-question full mock or the 25-question targeted diagnostic sprint:
Property and Casualty Insurance Practice Exam & Simulator
Experience an authentic testing environment for the Property and Casualty Insurance License Exam. Featuring timed simulation, question flagging, 70% passing standard, verified authoritative citations, full distractor autopsies, and diagnostic domain analytics.
Complete 100-Question Timed Mock
100 scored multiple-choice questions strictly proportioned across all blueprint domains.
- ⏱ 150 Minutes Time Limit (2.5 Hrs)
- 🎯 70% Passing Threshold
- 📊 Full Domain Diagnostic Analytics
25-Question Rapid Diagnostic
A focused sprint sampling core high-yield topics across the blueprint domains.
- ⏱ 40 Minutes Timed Session
- 🎯 70% Passing Benchmark
- ⚡ Instant domain mastery feedback
📖 Modular Study Guide
Explore our comprehensive lesson curriculum with primary source citations and knowledge checkpoints.
Explore Study Guide →⚡ Exam-Day Cheat Sheet
High-yield comparison tables, critical formulas, statutory rules, and last-minute cram summaries.
View Cheat Sheet →📅 Structured Study Plan
Step-by-step roadmap, test-day dry-erase dump sheet, and time-budgeting guidance.
View Study Plan →Frequently Asked Questions: Property & Casualty
What is the structure and passing score of the Property and Casualty Insurance exam?
The examination is administered by testing vendors like Prometric or Pearson VUE on behalf of state insurance departments. It generally consists of 100 to 150 multiple-choice questions administered over 2 to 3 hours, requiring a 70% passing score.
What is the difference between an Occurrence and a Claims-Made CGL policy?
An Occurrence policy covers bodily injury or property damage that occurs during the policy period, regardless of when the claim is filed. A Claims-Made policy requires that the injury occur on or after the retroactive date AND the claim is first filed against the insured during the active policy period.
How does the 80% Coinsurance Clause work in property insurance?
If a property owner insures for less than 80% of the property's replacement cost at the time of loss, partial losses are settled using the formula: (Did Insure / Should Insure) * Loss - Deductible. Should Insure is 80% of Current Replacement Cost.
Which Homeowners form is known as the Open Perils or Special Form?
HO-3 (Special Form) provides open perils coverage for the dwelling and other structures (Coverages A & B) and named perils for personal property (Coverage C). HO-5 (Comprehensive) provides open perils for both dwelling and personal property.