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Florida Personal Lines license exam prep

Florida Personal Lines Insurance Practice Test 2026

Practice the exam Florida uses, from general personal lines knowledge to Florida's own insurance law. Every answer quotes the statute behind it.

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What the Florida exam tests

General Insurance Principles, plus Florida's own insurance law.

Florida requirement to pass

100 scored questions. The time limit and passing score are set by Florida; check the candidate handbook.

Last verified September 2026 · Insurance Examination Content Outlines

Florida

Personal Lines

Questions on the real exam
100 scored questions
Who runs the exam
Pearson VUE, an independent testing company
Exam fee
$44 listed (the exact fee depends on the exam you take)
State license fee
$50 listed (it depends on the license type), paid to the Florida Department of Insurance
Pre-licensing education
Property & Casualty: required, 200 hours

From Florida's published exam materials.

Study by topic

Master each topic before your Florida exam. First 1 topics are free to start.

PersonalizedStudy your weak spots first PRO
Florida insurance lawPRO85 questionsPractice run: State Personal Lines Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Personal Lines test today?

Your Personal Lines readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the Florida Personal Lines exam

Personal Lines is a narrower license for selling coverage to individuals and families: personal auto, homeowners and umbrella liability. Not every state offers it as a separate exam, so the states below are the ones we cover.

What it covers

  • Homeowners and residential property coverage
  • Personal auto and umbrella liability
  • Cancellation, nonrenewal and notice rules
  • Your state's personal lines regulations

Who takes it

Agents who sell only to individuals and households, such as captive agents at personal lines carriers.

Frequently asked questions

Florida's published content outline lists 100 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by Florida. Most states use 70%, but check the Florida candidate handbook from the testing vendor for the exact figure.

Florida uses Pearson VUE, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $44, paid when you register; the exact amount depends on which exam you take. The Florida Department of Insurance lists $50 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Property & Casualty: required, 200 hours. Confirm the current rule with the Florida Department of Insurance before you register, because requirements change.

Retake rules come from Florida and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Florida candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Florida Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general personal lines knowledge with Florida insurance law.

More Florida practice tests

Florida Life & Health practice testFlorida Property & Casualty practice testFlorida Claims Adjuster practice test

Personal Lines practice tests in other states

CaliforniaTexasNew YorkPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaMichiganNew JerseyVirginiaWashington
See all Personal Lines states →