Maryland Property & Casualty license exam prep

Maryland Property & Casualty Insurance Practice Test 2026

Practice the exam Maryland uses, from general property & casualty knowledge to Maryland's own insurance law. Every answer quotes the statute behind it.

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What the Maryland exam tests

General Insurance Principles and Property & Casualty, plus Maryland's own insurance law.

Maryland requirement to pass

Property 80, Casualty 80, Combined 120 scored questions. The time limit and passing score are set by Maryland; check the candidate handbook.

Last verified September 2026 · Exam Content Outline

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Maryland 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 Maryland Property & Casualty test

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

Property80 scored questions

Insurance Regulation30 Qs
General Insurance7 Qs
Property Insurance Basics7 Qs
Dwelling Policy8 Qs
Homeowners Policy14 Qs
Auto Insurance3 Qs
Commercial Package Policy (CPP)8 Qs
Businessowners Policy1 Qs
Other Coverages and Options2 Qs

Casualty80 scored questions

Insurance Regulation30 Qs
General Insurance7 Qs
Casualty Insurance Basics15 Qs
Homeowners Policy3 Qs
Auto Insurance9 Qs
Commercial Package Policy (CPP)7 Qs
Businessowners Policy3 Qs
Workers Compensation Insurance3 Qs
Other Coverages and Options3 Qs

Combined120 scored questions

Insurance Regulation36 Qs
General Insurance8 Qs
Property and Casualty Insurance Basics15 Qs
Dwelling Policy10 Qs
Homeowners Policy15 Qs
Auto Insurance10 Qs
Commercial Package Policy (CPP)15 Qs
Businessowners Policy1 Qs
Workers Compensation Insurance4 Qs
Other Coverages and Options6 Qs

Source: Maryland Insurance Administration / Prometric exam content outlines, Series 20-31 (Property Producer), Series 20-26 (Casualty Producer) and Series 20-32 (Property and Casualty Producer - Combo), all stamped PDF 2021-09-21 and belonging to the outline set introduced by the Licensing Information Bulletin effective October 21, 2021. Each outline states its own scored-question count and adds "plus 10 unscored"; scoredQuestions is the scored figure. Areas carry both a percentage and an item count. weightPercent is null throughout: the printed percentages do not sum to 100 (Property 102, Casualty 102, Combo 101) because the publisher rounds each area percentage from its own item count (30/80 = 37.5% printed as 38%). The item counts are exact and sum to the declared scored total in every section, so they carry the allocation; the printed percentages are recorded in each document's manifest edition rather than adjusted to balance. The publisher numbers TWO levels (N.0 area, N.M subtopic) and everything below is an unnumbered indented bullet, so this file stops at the numbered levels rather than invent codes -- the same choice the committed taxonomy/life-health/md.json made for the Series 20-30 outline. (Maryland Property Producer (Series 20-31) - Exam Content Outline; Maryland Casualty Producer (Series 20-26) - Exam Content Outline; Maryland Property and Casualty Producer - Combo (Series 20-32) - Exam Content Outline). Confirm current weights with the testing company before you book.

Maryland official sources

Grounds for denial, suspension, or revocation of licenseMd. Code, Insurance s. 10-126 · Maryland General Assembly (mgaleg.maryland.gov)
Fraudulent insurance act: acting without a licence or certificationMd. Code, Insurance s. 27-405 · Maryland General Assembly (mgaleg.maryland.gov)
Insurance Producers and Other Insurance ProfessionalsMaryland Insurance Article Title 10, 103 sections · Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov)
Unfair Trade Practices and Other Prohibited PracticesMaryland Insurance Article Title 27, 90 sections · Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov)
Chapter 03 Fiduciary Responsibility of Insurance Producers: Premium Accounts - Commingling of FundsCode of Maryland Regulations (COMAR) 31.03.03 · Maryland Division of State Documents (dsd.maryland.gov), Code of Maryland Regulations
Chapter 05 Bail BondsCode of Maryland Regulations (COMAR) 31.03.05 · Maryland Division of State Documents (dsd.maryland.gov), Code of Maryland Regulations
Chapter 06 Nation-Wide Marine Definition and Plan for InterpretationCode of Maryland Regulations (COMAR) 31.08.06 · Maryland Division of State Documents (dsd.maryland.gov), Code of Maryland Regulations
Chapter 07 Payment of Claims Under Property and Casualty and Title Insurance PoliciesCode of Maryland Regulations (COMAR) 31.15.07 · Maryland Division of State Documents (dsd.maryland.gov), Code of Maryland Regulations

All Maryland insurance laws and exam sources

Provisions these questions cite most

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

Md. Code Ann., Ins. § 27-501 · Credit History, Homeowner's Insurance4 questions
Md. Code Ann., Ins. § 10-113 · Effect of License on Authority to Represent Insurer2 questions
Md. Code Ann., Ins. § 11-206 · Customary Non-Manual Inland Marine Risks Need Not Be Filed2 questions
Md. Code Ann., Ins. § 19-102 · Injured Person May Sue Insurer After Unsatisfied Judgment2 questions
Md. Code Ann., Ins. § 19-402 · Employer Notice or Knowledge Imputed to Insurer2 questions
Md. Code Ann., Ins. § 19-508 · Personal Injury Protection Benefits; Payment Period2 questions
Md. Code Ann., Ins. § 27-602 · Cancellation and Refusal to Renew, Personal Insurance2 questions
Md. Code Ann., Lab. & Empl. § 9-407 · Order to Insure; Penalty to Uninsured Employers' Fund2 questions

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

Frequently asked questions

Maryland's published content outline lists Property 80, Casualty 80, Combined 120 scored questions. Exams also include a few unscored pretest questions.

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

Maryland uses Prometric, 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 $62, paid when you register; the exact amount depends on which exam you take. The Maryland Department of Insurance lists $54 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Property & Casualty: not required. Confirm the current rule with the Maryland Department of Insurance before you register, because requirements change.

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

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

Yes. Each state writes its own version, combining general property & casualty knowledge with Maryland insurance law.

More Maryland practice tests

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