Oregon Property & Casualty Insurance Practice Test 2026
Practice the exam Oregon uses, from general property & casualty knowledge to Oregon's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles and Property & Casualty, plus Oregon's own insurance law.
Property 100, Casualty 100, Combined 150 scored questions. The time limit and passing score are set by Oregon; check the candidate handbook.
Last verified September 2026 · Examination Content Outline
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About the Oregon 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 Oregon Property & Casualty test
Oregon's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation13%
- Federal Laws and Regulations4%
- General Insurance Concepts20%
- Property Insurance Basics17%
- Dwelling Policy Concepts4%
- Homeowners Policy Concepts16%
- Commercial Property Policies (CPP)15%
- Businessowners Policy5%
- Other Types of Property Insurance - Purpose and General Characteristics6%
- Insurance Regulation13%
- Federal Laws and Regulations4%
- General Insurance Concepts20%
- Insurance Basics17%
- Personal Automobile Policy15%
- Commercial Automobile Policy7%
- Commercial General Liability12%
- Workers' Compensation Laws5%
- Other Types of Casualty Insurance7%
- Insurance Regulation11%
- Federal Laws and Regulations2%
- General Insurance Concepts11%
- Property and Casualty Insurance Basics14%
- Dwelling Policy Concepts6%
- Homeowners Policy Concepts9%
- Personal Automobile Policy9%
- Commercial Automobile Policy3%
- Commercial General Liability13%
- Commercial Property Policies7%
- Businessowners Policy5%
- Workers' Compensation Laws5%
- Other Types of Property and Casualty Insurance - Purpose and General Characteristics5%
Source: PSI Oregon producer examination content outlines, fetched 2026-09-17 from https://proctor2.psionline.com/media/programs/or%20ins/<series>.pdf. NONE of these PDFs prints a revision or effective date; each identifies itself only by its title block (series 12-04 150 questions, 12-12 and 12-13 100 questions each). PDF CreationDates are 12-04 2023-02-27, 12-12 2026-08-27, 12-13 2023-02-27. Question counts are SCORED counts: or-psi-cib states that five to ten unscored experimental items are administered IN ADDITION to the printed count. Areas are weighted in PERCENT ONLY and every section sums to 100; the outlines print no per-area item counts, so `weight` is null throughout. (Oregon Producer's Examination for Property Insurance (Series 12-12) - Examination Content Outline; Oregon Producer's Examination for Casualty Insurance (Series 12-13) - Examination Content Outline; Oregon Producer's Examination for Property and Casualty Insurance (Series 12-04) - Examination Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Oregon exam
Oregon official sources
- Insurance Policies GenerallyOregon Revised Statutes Chapter 742, 152 sections, 742.001-742.710 · Oregon Legislative Assembly, oregonlegislature.gov (retrieved via an Internet Archive snapshot of the official site)
- Insurance Producers and Life Settlements, first halfOregon Revised Statutes Chapter 744, 60 sections, 744.052-744.367 · Oregon Legislative Assembly, oregonlegislature.gov (retrieved via an Internet Archive snapshot of the official site)
- Insurance Producers and Life Settlements, second halfOregon Revised Statutes Chapter 744, 86 sections, 744.369-744.994 · Oregon Legislative Assembly, oregonlegislature.gov (retrieved via an Internet Archive snapshot of the official site)
- Revised Statutes Chapter 746Trade Practices (whole chapter, 746.005-746.991) · Oregon Legislative Assembly, oregonlegislature.gov
- Department of Administrative Services, Risk Management - Insurance Clauses: Garage Insurance (garage liability and garagekeepers legal liability, what each covers)Oregon Department of Administrative Services, Risk Management (www.oregon.gov/das/risk)
- DAS Risk Management - Insurance Clauses: Automobile LiabilityOregon Department of Administrative Services, Risk Management (www.oregon.gov/das/risk)
- Administration and General Provisions (Insurance Code)Oregon Revised Statutes Chapter 731 · Oregon Legislative Assembly, oregonlegislature.gov
- Revised Statutes Chapter 734Rehabilitation, Liquidation and Conservation of Insurers (includes the Oregon Insurance Guaranty Association, 734.510-734.710) · Oregon Legislative Assembly, oregonlegislature.gov
All Oregon insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Oregon provisions the questions on this page cite most often.
- ORS 744.068 · Required notifications; maintenance of usual and customary records; rules4 questions
- ORS 742.524 · Contents of personal injury protection benefits; deductibles2 questions
- ORS 744.0722 questions
- ORS 746.015 · Discrimination; noncompliance; hearing2 questions
- OAR 836-071-02151 question
- OAR 836-071-0267 · Incidental Charges for Customer Services; Personal, Commercial Lines1 question
- OAR 836-071-0274 · Service Fees Prohibited on Personal Lines1 question
- OAR 836-080-0235 · Standards for Prompt and Fair Settlements, Generally1 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 Oregon Department of Insurance.