Rhode Island Property & Casualty Insurance Practice Test 2026
Practice the exam Rhode Island uses, from general property & casualty knowledge to Rhode Island's own insurance law. Every answer quotes the statute behind it.
General Insurance Principles and Property & Casualty, plus Rhode Island's own insurance law.
Property 76, Casualty 82 scored questions. The time limit and passing score are set by Rhode Island; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Rhode Island 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 Rhode Island Property & Casualty test
Rhode Island's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies22 Qs
- Insurance Terms and Related Concepts15 Qs
- Policy Provisions and Contract Law13 Qs
- Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance20 Qs
- Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only6 Qs
- Types of Policies, Bonds, and Related Terms23 Qs
- Insurance Terms and Related Concepts15 Qs
- Policy Provisions12 Qs
- Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance20 Qs
- Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only12 Qs
Source: Rhode Island Insurance Supplement Examination Content Outlines, Effective Date: May 28, 2026; Pearson VUE #124001 | 05/2026. Rhode Island administers SEPARATE Property Producer (exam 03) and Casualty Producer (exam 04) exams and sells no combined Property-and-Casualty exam: the handbook's "AVAILABLE EXAMINATIONS" table lists 01 Life, 02 Accident & Health, 03 Property, 04 Casualty, 55 Personal Lines as the major lines, each split into a General and a State part, and adds in words "first time candidates for (P&C) MUST register for both the Property Producer and Casualty Producer exam". Four sections are recorded accordingly. Counts are the outlines' own scored-question figures, stated separately from their pretest questions (the two GENERAL KNOWLEDGE outlines declare 5 pretest questions; both RHODE ISLAND SPECIFIC outlines declare 6). All four sections are weighted in scored-question counts and every one sums exactly: Property general 22+15+13=50, Property state 20+6=26, Casualty general 23+15+12=50, Casualty state 20+12=32. Statutory references are the outline's own inline RIGL and 230-RICR citations. Where a citation wraps across a line the extraction leaves a space inside the number ("27-1- 11"); those are closed up, matching taxonomy/life-health/ri.json built from this same document. (Rhode Island Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Rhode Island exam
Rhode Island official sources
- Unfair methods of competition and unfair or deceptive acts or practices definedGeneral Laws of Rhode Island § 27-29-4 · Rhode Island General Assembly (webserver.rilegislature.gov)
- Foreign Insurance Companies; Insurance Binders as Evidence of Coverage; Examinations; Unauthorized Insurance BusinessR.I. Gen. Laws Title 27, Chapters 2, 9.4, 13.1 and 16 · webserver.rilegislature.gov
- Producer Licensing Act, Continuing Education Requirements, and Claim AdjustersR.I. Gen. Laws Title 27, Chapters 2.4, 3.2 and 10 · webserver.rilegislature.gov
- Property and Casualty Insurance Guaranty AssociationR.I. Gen. Laws Title 27, Chapter 34 · webserver.rilegislature.gov
- Basic Property Insurance Inspection and Placement Program (Rhode Island Joint Reinsurance Association / Rhode Island FAIR Plan)230-RICR-20-05-11 · Rhode Island Department of Business Regulation, filed with the RI Department of State Office of Regulations (rules.sos.ri.gov)
- Lead Hazard MitigationR.I. Gen. Laws Title 42, Chapter 128.1 · webserver.rilegislature.gov
- Liability InsuranceR.I. Gen. Laws Title 27, Chapter 7 · webserver.rilegislature.gov
- Motor Vehicle Safety Responsibility Act (Safety Responsibility Administration, Proof of Financial Responsibility for the Future, and Safety Responsibility Violations - General Provisions)R.I. Gen. Laws Title 31, Chapters 31-33 · webserver.rilegislature.gov
All Rhode Island insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Rhode Island provisions the questions on this page cite most often.
- R.I. Gen. Laws § 27-29-4 · Free choice of insurance producer or insurer8 questions
- R.I. Gen. Laws § 27-7-2.1 · Uninsured motorist coverage4 questions
- R.I. Gen. Laws § 27-76-2 · Hurricane deductibles, triggers, and policyholder notice2 questions
- R.I. Gen. Laws § 42-128.1-9 · Insurance coverage2 questions
- 230-RICR-20-05-11 § 11.12 · Cancellation and Nonrenewal1 question
- 230-RICR-20-05-11 § 11.3 · Definitions: Basic Property Insurance, lead liability and farm risks1 question
- 230-RICR-20-05-11 § 11.5 · Provisional Binders1 question
- 230-RICR-20-05-11 § 11.6 · Limits of Coverage and Deductibles1 question
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Rhode Island Department of Insurance.