Pennsylvania Personal Lines Insurance Practice Test 2026

About the Pennsylvania 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 is on the Pennsylvania Personal Lines test

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

Source: PSI Pennsylvania content outlines, fetched 2026-09-17 from https://proctor2.psionline.com/media/programs/PAINS/<series>xx.pdf. The PDFs print no effective or revision date; their PDF CreationDate/ModDate is 2026-01-22, one year newer than the edition at the neighbouring path <series>.pdf (2025-01-22), which was fetched and compared. SCORED QUESTIONS: the outline's own 'N Items - M minutes' header. pa-psi-cib 'EXPERIMENTAL ITEMS' says 5 to 10 unscored questions are administered IN ADDITION TO the item count printed in the content outline, so that count is the scored count, not a total. WEIGHTS are the publisher's own area percentages and sum to exactly 100 in every section. CODES: PSI labels only the areas ('1.0 Insurance Regulation (21%)'); its subtopics are unlabelled indented lists, so subtopic codes are derived positionally (1.1, 1.1.1, ...) as taxonomy/life-health/pa.json already does. The nesting is the document's own indentation, recovered with `pdftotext -layout`. Pennsylvania sells one Personal Lines exam (series 16-16, licence type 'Personal Lines' in pa-psi-cib 'TYPES OF LICENSES'), published as a single outline mixing product knowledge and Pennsylvania law, so one combined section is recorded. (Pennsylvania Producer's Examination Content Outline - Personal Lines Property and Casualty Insurance (16-16)). Confirm current weights with the testing company before you book.

Pennsylvania official sources

• 18 Pa.C.S. Chapter 41Forgery and Fraudulent Practices (§§ 4101 through 4121, 26 sections), including § 4117 Insurance fraud · Pennsylvania General Assembly, Legislative Data Processing Center (legis.state.pa.us / palegis.us)
• Financial Responsibility, the Pennsylvania Motor Vehicle Financial Responsibility Law75 Pa.C.S. Chapter 17, §§ 1701 through 1799.7, 75 sections · Pennsylvania General Assembly, Legislative Data Processing Center (legis.state.pa.us / palegis.us)
• Elimination of Unfair Sex or Marital Status Discrimination in All Insurance Contracts31 Pa. Code Chapter 145, complete chapter, 5 sections, §§ 145.1 through 145.5 · Pennsylvania Legislative Reference Bureau, Pennsylvania Code (pacodeandbulletin.gov)
• Advertising of Insurance, General Provisions31 Pa. Code Chapter 51, complete chapter, 28 sections, §§ 51.1 through 51.61 · Pennsylvania Legislative Reference Bureau, Pennsylvania Code (pacodeandbulletin.gov)
• Cancellation and Refusal to Renew of Personal Residential Property and Personal Property Insurance31 Pa. Code Chapter 59, complete chapter, 14 sections, §§ 59.1 through 59.13 · Pennsylvania Legislative Reference Bureau, Pennsylvania Code (pacodeandbulletin.gov)
• The Pennsylvania FAIR Plan Act (Act of July 31, 1968, P.L. 738, No. 233), complete act (40 P.S. §§ 1600.101-1600.103 and following)Pennsylvania General Assembly, Legislative Data Processing Center (legis.state.pa.us / palegis.us)
• Unfair Insurance Practices (Unfair Claims Settlement Practices)31 Pa. Code Chapter 146 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
• The Insurance Company Law of 1921 (Act of May 17, 1921, P.L. 682, No. 284), complete act35 articles including Art. V Fire and Marine, Art. VI Casualty, Art. XV Risk Retention, Art. XVI Surplus Lines, Art. XVIII PA Property and Casualty Insurance Guaranty Association, Art. XX Automobile Insurance Issuance, Renewal and Cancellation · Pennsylvania General Assembly, Legislative Data Processing Center (legis.state.pa.us / palegis.us)

All Pennsylvania insurance laws and exam sources

Provisions these questions cite most

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

• The Insurance Company Law of 1921, Section 506 · Fire Insurance Contract; Standard Policy Provisions -- Concealment, Fraud3 questions
• Unfair Insurance Practices Act, Section 5 · Cancellation of owner-occupied private residential property policies3 questions
• 31 Pa. Code Section 59.7 · Appeal procedure2 questions
• 75 Pa.C.S. Section 1786 · Required financial responsibility; consent to produce proof2 questions
• 75 Pa.C.S. Section 1799.32 questions
• The Insurance Company Law of 1921, Section 2003 · Discrimination Prohibited2 questions
• 18 Pa.C.S. Section 4117 · Insurance fraud; insurance forms and verification of services1 question
• 31 Pa. Code Section 145.1 · Purpose1 question

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