Personal Lines Insurance Practice Test by State

Coverage for individuals and families: personal auto, homeowners, renters and personal umbrella liability. It does not cover commercial policies such as business property or general liability.

No. Some states issue personal lines as its own narrower license, and in the others personal lines are sold under the property and casualty license. Your state's department of insurance can tell you which applies.

A property and casualty license covers both personal and commercial lines. A personal lines license is limited to individual and family coverage, so the exam typically leaves out commercial lines.

Most states hire an outside testing company, such as PSI, Pearson VUE or Prometric, to deliver the exam. Which one applies depends on your state, and your state's department of insurance links to the right scheduling site.

It depends on the state. Many states require a set number of pre-licensing education hours before you can register for the Personal Lines exam, and some require none. Your state's department of insurance lists the requirement.

Retake rules are set by your state and its testing vendor. Expect to pay the exam fee again and, in some states, to wait a set number of days between attempts. The candidate handbook from your testing vendor has the exact rules.

Passing is one step. You then apply for the license itself through your state's department of insurance, usually online, with a background check and a fee. In some states the exam result is only valid for a limited window, so apply promptly.

It is typically a computer-based, multiple-choice test taken at a proctored testing center, and some states also allow remote proctoring. You usually see a score report when you finish.