California Property & Casualty Insurance Practice Test 2026
Practice the exam California uses, from general property & casualty knowledge to California's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles and Property & Casualty, plus California's own insurance law.
Property 75, Casualty 75 scored questions. The time limit and passing score are set by California; check the candidate handbook.
Last verified September 2026 · Property License Examination Objectives
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About the California Property & Casualty exam
The Property & Casualty exam licenses you to sell property and liability coverage: homeowners, commercial property, auto, general liability and workers compensation. The state portion covers the rules your state puts on those lines.
What it covers
- Property coverages, perils and policy conditions
- Casualty and liability coverage, including auto and workers compensation
- Underwriting, rating and claims basics
- Your state's producer licensing and casualty rules
Who takes it
Agents and brokers licensed to sell property and casualty insurance, including those adding it to a life and health license.
What is on the California Property & Casualty test
California's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- General Insurance15%
- Property Insurance15%
- Personal Lines Insurance38%
- Commercial Insurance Coverages30%
- Pet Insurance2%
- General Insurance15%
- Casualty Insurance15%
- Personal Lines Insurance35%
- Commercial Insurance Coverages35%
Source: California Department of Insurance License Examination Objectives, 2025 edition (Property and Casualty), the official blueprint per Cal. Ins. Code section 1677. The documents print no revision date of their own. California administers SEPARATE Property (75 questions / 90 minutes) and Casualty (75 questions / 90 minutes) examinations and no combined P&C examination. Area weights are the publisher's PERCENTAGES of the examination and sum to exactly 100 in both; no per-area question count is published, so weight is null throughout. The blueprint is the documents' own 'Table of Contents' block; the body after it repeats the headings with 'Be able to ...' objectives. (California Property License Examination Objectives; California Casualty License Examination Objectives). Confirm current weights with the testing company before you book.
What to bring to the California exam
California official sources
- Unfair methods of competition and unfair or deceptive acts definedCal. Ins. Code s. 790.03 · California Legislative Information (leginfo.legislature.ca.gov)
- Grounds for license denial, suspension, or revocationCal. Ins. Code s. 1668 · California Legislative Information (leginfo.legislature.ca.gov)
- Insurance DefinedCalifornia Insurance Code § 22 · California Legislature (Insurance Code)
- Insurance Code, Division 1 Part 1 -- The Contract, all 25 chapters complete (Classes of Insurance through Prohibition of Discriminatory Practices)Secs. 100-679.75 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Insurance Code, Division 1 Part 2 Chapter 1 -- General Regulations (the business of insurance), complete, all 18 articlesSecs. 680-1113 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Insurance Code, Division 1 Part 2 Chapter 12 -- The Insurance Frauds Prevention Act, completeSecs. 1871-1879.8 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Insurance Code, Division 1 Part 2 Chapter 5 -- Production Agencies (licensing of agents, brokers, solicitors and the limited lines), completeSecs. 1621-1758.993 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Insurance Code, Division 1 Part 2 Chapters 6, 6.1 and 6.5 -- Surplus Line Brokers, the Surplus Line Advisory Organization and Reinsurance Intermediaries, each completeSecs. 1760-1781.14 · California Legislative Counsel (leginfo.legislature.ca.gov)
All California insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the California provisions the questions on this page cite most often.
- Cal. Ins. Code § 10103 · Residential property insurance; required declarations page information2 questions
- Cal. Ins. Code § 10108 · Small business pamphlet; required content2 questions
- Cal. Ins. Code § 1668 · License denial; aiding or abetting another's disqualifying act2 questions
- Cal. Ins. Code § 1861.05 · Rate approval standard; competition excluded, investment income required2 questions
- Cal. Ins. Code § 790.03 · Unfair claims settlement practices; knowing-or-frequent threshold2 questions
- Cal. Ins. Code § 100851 question
- Cal. Ins. Code § 10089.70 · Insurance mediation program; automobile collision or physical damage claims1 question
- Cal. Ins. Code § 10091 · FAIR Plan; definition of “basic property insurance”1 question
Exam figures on this page were checked against official pages: Testing company · License fee. Confirm anything you rely on with the testing company and the California Department of Insurance.