Massachusetts Personal Lines Insurance Practice Test 2026
Practice the exam Massachusetts uses, from general personal lines knowledge to Massachusetts's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles, plus Massachusetts's own insurance law.
105 scored questions. The time limit and passing score are set by Massachusetts; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
Study by topic
Master each topic before your Massachusetts exam. First 1 topics are free to start.
Pro study tools
The free runs cover the basics. These tools answer one question: would you pass the Personal Lines test today?
About the Massachusetts 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 Massachusetts Personal Lines test
Massachusetts's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Property Policies10 Qs
- Types of Casualty Policies13 Qs
- Property and Casualty Insurance Terms and Related Concepts28 Qs
- Property and Casualty Policy Provisions and Contract Law24 Qs
- Massachusetts Laws and Rules Pertinent to All Lines of Insurance15 Qs
- Massachusetts Laws and Regulations Pertinent to Property and Casualty Insurance2 Qs
- Massachusetts Laws and Regulations Pertinent to Property Insurance Only5 Qs
- Massachusetts Laws and Regulations Pertinent to Casualty Insurance Only8 Qs
Source: Massachusetts Insurance Content Outlines, 'Content Outlines: Effective July 22, 2026' (Pearson VUE #122301 | 06/2026; running head on every page reads 'Effective July 22, 2026'). scoredQuestions is the document's scoreable count; the pretest questions each outline also declares are excluded. (Massachusetts Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Massachusetts exam
Massachusetts official sources
- Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of InsuranceM.G.L. ch. 176D, complete chapter · Massachusetts General Court
- Insurance contract and general provisions applicable to all insurersM.G.L. c. 175, ss. 2, 2A, 2B, 3, 181-194 · malegislature.gov
- Producer licensing, appointment, continuing education and disciplineM.G.L. c. 175, ss. 162-177E · malegislature.gov
- Compulsory motor vehicle insurance, financial responsibility, PIP, uninsured/underinsured motorist coverage, assigned risk plan, and auto policy cancellation/nonrenewalM.G.L. c. 90, ss. 34A-34R and c. 175, s. 111C, ss. 113A-113L, 113O · malegislature.gov
- Requirements Applicable to Insurance on Liability for Injury from Exposure to Dangerous Levels of Lead in Dwelling Units211 CMR 131.00 · Massachusetts Division of Insurance (mass.gov)
- Private Passenger Motor Vehicle Insurance Rates211 CMR 79.00 · Massachusetts Division of Insurance (mass.gov)
- Insurance-fraud criminal statutesM.G.L. c. 266, ss. 111A, 111B · malegislature.gov
- Property Insurance Underwriting Association (MPIUA / Massachusetts FAIR Plan)M.G.L. c. 175C · malegislature.gov
All Massachusetts insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Massachusetts provisions the questions on this page cite most often.
- M.G.L. c. 111 § 197 · Duty of residential premises owners; new owner's compliance period6 questions
- M.G.L. ch. 175 § 99, clause Twelfth · Massachusetts Standard Policy; insuring agreement5 questions
- M.G.L. c. 266 § 111B · Motor vehicle insurance policies; penalty for fraudulent claims3 questions
- M.G.L. ch. 90 § 34A · Definitions; "Personal injury protection"3 questions
- 211 CMR 131.02 · Definitions; Personal lines insurance2 questions
- 211 CMR 131.08 · Coverage for Premises Not In Compliance; buyback election timing2 questions
- M.G.L. c. 175 § 4 · Examination of companies; contents of report2 questions
- M.G.L. c. 175C § 1 · Definitions; eligible applicant2 questions
Exam figures on this page were checked against official pages: License fee · Exam fee. Confirm anything you rely on with the testing company and the Massachusetts Department of Insurance.