Florida Property & Casualty Insurance Practice Test 2026

About the Florida 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 is on the Florida Property & Casualty test

Florida's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.

Source: Florida Insurance Examination Content Outlines, 'Effective January 1, 2026' (Pearson VUE #121003). Each exam is ONE weighted set expressed in PERCENT of the exam, running across a GENERAL KNOWLEDGE part and a FLORIDA STATUTES, RULES, AND REGULATIONS part whose area numbering RESTARTS at I; the statutes-part areas are coded FSRR.I, FSRR.II, ... to keep codes unique, and the general-knowledge codes are the outline's own. Same convention as taxonomy/life-health/fl.json. The document misspells that second part's header as 'FLORIDA STATUTES, RULES, AND REGUALTIONS' in the General Lines outline. The General Lines exam is recorded WEIGHTLESS because two of its published area weights are fractional (9.5%) and the schema's weightPercent is an integer. Florida prints them as I 14%, II 9.5%, III 8%, IV 15%, V 9.5%, VI 8%, FSRR.I 15%, FSRR.II 15%, FSRR.III 6%, which sums to exactly 100. Florida publishes NO separate Property or Casualty producer exam; the General Lines Agent exam is the combined one, so the section is named 'combined'. (Florida Insurance Examination Content Outlines). Confirm current weights with the testing company before you book.

Florida official sources

• Administrative Code, Division 69Ochs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160) · Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code
• Administrative Code, Division 69O (Office of Insurance Regulation)chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022) · Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code
• Financial Responsibility, completeFlorida Statutes ch. 324, ss. 324.011-324.252 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
• Workers' Compensation, completeFlorida Statutes ch. 440, ss. 440.01-440.60 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
• Insurance Code: Administration and General Provisions, complete (Parts I-VI)Florida Statutes ch. 624, ss. 624.01-624.915 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
• Insurance Field Representatives and Operations, complete (Parts I-XIII)Florida Statutes ch. 626, ss. 626.011-626.9958 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
• Insurance Rates and Contracts, the health Parts (VI health insurance policies, VII group/blanket/franchise health, VIII Medicare supplement, XVIII long-term care)Florida Statutes ch. 627, ss. 627.601-627.9408 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
• Insurance Rates and Contracts, the property, casualty, surety, premium-finance and risk-retention Parts (I, II, X, XI, XII, XV, XVI, XVII, XIX, XXII)Florida Statutes ch. 627, ss. 627.011-627.9913 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes

All Florida insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Florida provisions the questions on this page cite most often.

• Fla. Admin. Code R. 69O-167.0226 questions
• Fla. Stat. Sec. 627.702 · Valued Policy Law; Mobile Homes; Stated Value Coverage and Cost Disclosure3 questions
• Fla. Stat. Sec. 627.712 · Residential Windstorm Coverage; Conditions on an Exclusion by a Natural Person3 questions
• Fla. Stat. Sec. 627.715 · Flood Insurance; Agent Notice Before Replacing Program Coverage3 questions
• Fla. Stat. Sec. 627.727 · Uninsured Motorist Coverage; Effect of a Signed Rejection Form3 questions
• Fla. Admin. Code R. 69O-167.011 · Homeowner’s Policies; Written Statement of Selection or Rejection2 questions
• Fla. Stat. Sec. 626.916 · Eligibility for Export; Disclosure to the Insured2 questions
• Fla. Stat. Sec. 626.9541 · Unfair Methods of Competition; Refusal to Insure2 questions

Exam figures on this page were checked against official pages: Testing company · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Florida Department of Insurance.