Property & Casualty Insurance Practice Test by State

Property insurance pays for damage to or loss of the insured's own property, such as fire or theft. Casualty insurance covers legal liability for harm to other people or their property, such as auto liability, general liability and workers compensation.

In most states, yes. Personal auto and homeowners are sold under the property and casualty license, and some states also offer a narrower personal lines license that covers only individual customers.

Commonly tested ideas include indemnity, insurable interest, actual cash value versus replacement cost, coinsurance, subrogation, and the standard provisions of homeowners and auto policies.

Most states hire an outside testing company, such as PSI, Pearson VUE or Prometric, to deliver the exam. Which one applies depends on your state, and your state's department of insurance links to the right scheduling site.

It depends on the state. Many states require a set number of pre-licensing education hours before you can register for the Property & Casualty exam, and some require none. Your state's department of insurance lists the requirement.

Retake rules are set by your state and its testing vendor. Expect to pay the exam fee again and, in some states, to wait a set number of days between attempts. The candidate handbook from your testing vendor has the exact rules.

Passing is one step. You then apply for the license itself through your state's department of insurance, usually online, with a background check and a fee. In some states the exam result is only valid for a limited window, so apply promptly.

It is typically a computer-based, multiple-choice test taken at a proctored testing center, and some states also allow remote proctoring. You usually see a score report when you finish.