Massachusetts Property & Casualty Insurance Practice Test 2026
Practice the exam Massachusetts uses, from general property & casualty knowledge to Massachusetts's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles and Property & Casualty, plus Massachusetts's own insurance law.
Property 80, Casualty 80 scored questions. The time limit and passing score are set by Massachusetts; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Massachusetts 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 Massachusetts Property & Casualty 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.
- Property: Types of Policies22 Qs
- Property: Insurance Terms and Related Concepts15 Qs
- Property: Policy Provisions and Contract Law13 Qs
- Massachusetts Laws and Rules Pertinent to All Lines of Insurance20 Qs
- Massachusetts Laws and Regulations Pertinent to Property Insurance Only10 Qs
- Casualty: Types of Policies, Bonds, and Related Terms23 Qs
- Casualty: Insurance Terms and Related Concepts15 Qs
- Casualty: Policy Provisions12 Qs
- Massachusetts Laws and Rules Pertinent to All Lines of Insurance15 Qs
- Massachusetts Laws and Regulations Pertinent to Casualty Insurance Only15 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)
- Safe Driver Insurance and Merit Rating Plans211 CMR 134.00 · 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
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. 175, § 99, Twelfth · Standard form; mortgagee clause5 questions
- M.G.L. c. 175 § 99, Twelfth · Standard form; order-of-civil-authority exclusion and firefighting exception4 questions
- M.G.L. c. 90 § 34A · Definitions applicable to Secs. 34A to 34N; 'motor vehicle liability policy'4 questions
- 211 CMR 79.04 · Underwriting Factors Prohibited3 questions
- M.G.L. c. 111, § 197 · Owner's option to delay commencement of tenancy pending compliance3 questions
- M.G.L. c. 175 § 113L · Uninsured motorists; insufficient liability limits; coverage3 questions
- M.G.L. c. 175 § 113H · Assigned risk plans2 questions
- M.G.L. c. 175 § 4 · Examination of companies2 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.