Kentucky Personal Lines Insurance Practice Test 2026
Practice the exam Kentucky uses, from general personal lines knowledge to Kentucky's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles, plus Kentucky's own insurance law.
50 scored questions. The time limit and passing score are set by Kentucky; check the candidate handbook.
Last verified September 2026 · Personal Lines Insurance License Outline
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About the Kentucky 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.
What is on the Kentucky Personal Lines test
Kentucky's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Principles of Insurance4 Qs
- The Insurance Contract3 Qs
- Insurance Company Organization and Regulation1 Qs
- The Insurance Transaction4 Qs
- Introduction to Property Insurance3 Qs
- Introduction to Liability Insurance3 Qs
- Dwelling Insurance4 Qs
- Homeowners Insurance9 Qs
- Personal Auto Insurance9 Qs
- Miscellaneous Personal Insurance6 Qs
- Kentucky Law4 Qs
Source: Kentucky Department of Insurance Personal Lines Insurance License Outline. The outlines print no revision or effective date of their own; their masthead names the Kaplan Financial "Kentucky Property and Casualty Insurance License Exam Manual, 1st Edition 2006" whose units they assign, and the PDF metadata dates are 2010-04-15 (Property, Personal Lines) and 2020-07-08 (Casualty). Each unit carries BOTH a percent of test and a scored-question count; per exam the counts total 50 and the percentages total 100. Neither document prints a "50 questions" total in words -- 50 is the exact sum of the publisher's own per-unit counts, and the percentages sum to 100 independently. Unit numbers are not contiguous: they index the study manual, and units the exam does not test are absent. (Kentucky Personal Lines Insurance License Outline). Confirm current weights with the testing company before you book.
What to bring to the Kentucky exam
Kentucky official sources
- Trade Practices and FraudsKRS Chapter 304, Subtitle 12, sections not held in ky-ins-01: 304.12-150 lender insurance, 304.12-230 unfair claims settlement practices and the rest · Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov)
- KRS Chapter 304, Subtitle 13Rates and Rating Organizations (304.13-011 et seq., incl. 304.13-151 automobile insurance plan) · Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov)
- KRS Chapter 304, Subtitle 20Casualty, Automobile and Property Insurance Contracts: declination, nonrenewal and cancellation (304.20-040, 304.20-300 to 304.20-350) · Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov)
- KRS Chapter 304, Subtitle 39 - Motor Vehicle Reparations Act (no-fault) (304.39-010 et seq.)Kentucky Legislative Research Commission (Kentucky Revised Statutes, apps.legislature.ky.gov)
All Kentucky insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Kentucky provisions the questions on this page cite most often.
- KRS 304.20-040 · Cancellation, nonrenewal, or termination of automobile insurance4 questions
- KRS 304.20-020 · Uninsured vehicle coverage, written rejection2 questions
- KRS 304.20-320 · Nonrenewals2 questions
- KRS 304.12-2111 question
- KRS 304.13-346 · Optional rider to be offered to upgrade non-FORTIFIED single-family dwellings1 question
- KRS 304.20-030 · Retroactive annulment of liability policies prohibited1 question
- KRS 304.20-04111 question
- KRS 304.20-042 · Termination or refusal to issue insurance due to credit history prohibited1 question
Exam figures on this page were checked against official pages: License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Kentucky Department of Insurance.