Michigan Property & Casualty Insurance Practice Test 2026
Practice the exam Michigan uses, from general property & casualty knowledge to Michigan's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles and Property & Casualty, plus Michigan's own insurance law.
Property 100, Casualty 100, Combined 150 scored questions. The time limit and passing score are set by Michigan; check the candidate handbook.
Last verified September 2026 · Property Producer/Solicitor Examination Content Outline (Series 16-67)
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About the Michigan 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 Michigan Property & Casualty test
Michigan's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation10 Qs
- General Insurance15 Qs
- Property Insurance Basics25 Qs
- Dwelling Policy8 Qs
- Homeowners Policy13 Qs
- Commercial Package Policy (CPP)14 Qs
- Businessowners Policy10 Qs
- Other Coverages and Options5 Qs
- Insurance Regulation10 Qs
- General Insurance15 Qs
- Casualty Insurance Basics22 Qs
- Homeowners Policy6 Qs
- Automobile Insurance15 Qs
- Commercial Package Policy (CPP)12 Qs
- Businessowners Policy5 Qs
- Workers' Compensation Insurance7 Qs
- Other Coverages and Options8 Qs
- Insurance Regulation15 Qs
- General Insurance16 Qs
- Property and Casualty Insurance Basics30 Qs
- Dwelling Policy4 Qs
- Homeowners Policy22 Qs
- Automobile Insurance22 Qs
- Commercial Package Policy (CPP)18 Qs
- Businessowners Policy9 Qs
- Workers' Compensation Insurance8 Qs
- Other Coverages and Options6 Qs
Source: PSI Michigan examination content outlines, Series 16-67 (Property Producer/Solicitor), Series 16-68 (Casualty Producer/Solicitor) and Series 16-81 (Property and Casualty Producer/Solicitor). None of these outlines prints a revision or effective date; all four PDFs are stamped 2021-09-02 and are the editions DIFS's own outline index links (the "x"-suffixed files -- the unsuffixed neighbours are the superseded "Revised May 1, 2020" editions and still return HTTP 200). Each area is weighted BOTH as a percentage and as an item count, and the item counts sum to the declared total in every section. weightPercent is recorded for Series 16-67 and 16-68, whose percentages are integers summing to 100. It is NULL throughout Series 16-81, whose outline prints FRACTIONAL percentages (General Insurance 10.5%, Dwelling Policy 2.5%) that an integer field cannot hold faithfully -- the same call, for the same reason, that the committed mi-psi-lh-content-outline records for Series 16-80. The item counts carry the allocation there. (Michigan Property Producer/Solicitor Examination Content Outline (Series 16-67); Michigan Casualty Producer/Solicitor Examination Content Outline (Series 16-68); Michigan Property and Casualty Producer/Solicitor Examination Content Outline (Series 16-81)). Confirm current weights with the testing company before you book.
What to bring to the Michigan exam
Michigan official sources
- Fire and Inland Marine Insurance Rates (complete rule set, 10 rules)Michigan Administrative Code R 500.1301 to R 500.1310 · Michigan Department of Licensing and Regulatory Affairs, Administrative Rules System
- Workers' Compensation Insurance (complete rule set, 8 rules)Michigan Administrative Code R 500.1351 to R 500.1359 · Michigan Department of Licensing and Regulatory Affairs, Administrative Rules System
- Aftermarket Crash Parts Act (Act 158 of 1991), complete ActMCL 257.1361 to 257.1364, 4 sections · Michigan Legislature (www.legislature.mi.gov)
- Unfair and Prohibited Trade Practices and FraudsMCL Chapter 500, Insurance Code of 1956, Chapter 20, selected Secs. 500.2003-500.2026 · Michigan Legislature (legislature.mi.gov)
- The Insurance CommissionerMichigan Insurance Code of 1956, Chapter 2, MCL 500.200 to 500.271, 33 sections · Michigan Legislature (www.legislature.mi.gov)
- Privacy of Financial InformationMichigan Insurance Code of 1956, Chapter 5, MCL 500.501 to 500.547, 25 sections · Michigan Legislature (www.legislature.mi.gov)
- Annual Audited Financial ReportsMichigan Insurance Code of 1956, Chapter 10, MCL 500.1001 to 500.1033, 18 sections · Michigan Legislature (www.legislature.mi.gov)
- Unfair and Prohibited Trade Practices and FraudsMichigan Insurance Code of 1956, Chapter 20, complete chapter, MCL 500.2001 to 500.2093, 64 sections · Michigan Legislature (www.legislature.mi.gov)
All Michigan insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Michigan provisions the questions on this page cite most often.
- MCL 500.2833 · Fire insurance policy; mandatory provisions; coverage6 questions
- MCL 500.2117 · Home insurance; provisions applicable to repair cost policy4 questions
- MCL 500.2103 · Definitions; E to I; home insurance3 questions
- MCL 500.1207 · Agent as fiduciary; separate accounts2 questions
- MCL 500.20262 questions
- MCL 257.1363 · Non-OEM aftermarket crash parts; use1 question
- MCL 257.328 · Presentation of proof of insurance to court before appearance date1 question
- MCL 257.517 · Proof of financial responsibility; alternative methods1 question
Exam figures on this page were checked against official pages: Exam fee · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Michigan Department of Insurance.