Tennessee Property & Casualty license exam prep

Tennessee Property & Casualty Insurance Practice Test 2026

Practice the exam Tennessee uses, from general property & casualty knowledge to Tennessee's own insurance law. Every answer quotes the statute behind it.

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What the Tennessee exam tests

General Insurance Principles and Property & Casualty, plus Tennessee's own insurance law.

Tennessee requirement to pass

Property 68, Casualty 68 scored questions. The time limit and passing score are set by Tennessee; check the candidate handbook.

Last verified October 2026 · Insurance Content Outlines

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Tennessee 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 Tennessee Property & Casualty test

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

Property general knowledge50 scored questions

Types of Policies22 Qs
Insurance Terms and Related Concepts15 Qs
Policy Provisions and Contract Law13 Qs

Tennessee law: property18 scored questions

Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance14 Qs
Tennessee Laws, and Departmental Rules Pertinent to Property Insurance Only4 Qs

Casualty general knowledge50 scored questions

Types of Policies, Bonds, and Related Terms23 Qs
Insurance Terms and Related Concepts15 Qs
Policy Provisions12 Qs

Tennessee law: casualty18 scored questions

Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance14 Qs
Tennessee Laws, and Departmental Rules Pertinent to Casualty Insurance Only4 Qs

Source: TENNESSEE Insurance Supplement, Examination Content Outlines, Effective Date: October 15, 2025, as printed in Pearson VUE #124301 | 09/2026. That PDF is TRANSITIONAL and carries two full sets; recorded here is the set in force today (2026-09-17), 'Content outlines for exams taken BeFORe October 7, 2026'. The successor set, 'Content outlines for exams taken On/AFTeR October 7, 2026', is in the same corpus text at lines 1510-3000 and THIS FILE MUST BE REVISED ON OCTOBER 7, 2026. Tennessee sells Property and Casualty as two separate exams and publishes NO combined Property and Casualty content outline: the handbook (#124300, 'EXAM FEES AND COMBINATIONS') prices Property $55 and Casualty $55 separately, each marked '*Must be taken alone in one session', and lists 'Property and Casualty $80' only under OnVUE, which is a two-exam package price and not a third exam. No 'PROPERTY AND CASUALTY' general-knowledge outline exists anywhere in the document. Each exam is a GENERAL KNOWLEDGE outline plus a TENNESSEE SPECIFIC outline whose roman numbering CONTINUES from the general one, so the state areas are IV/V for Property and for Casualty and V/VI for Personal Lines. Counts are the outlines' own scoreable-question figures, stated separately from their pretest questions. Tennessee also prints a scoreable-question count or range on each LETTERED sub-topic (e.g. 'A. Powers of Commissioner .... 2', 'C. License Requirements ....3-4'); the schema carries weights only on top-level areas, so, following taxonomy/life-health/tn.json built from this same document, those sub-topic figures are not recorded and the dot leaders are stripped from the title. Each TENNESSEE SPECIFIC outline carries one footnoted sub-topic, 'G. Credit Information*', whose footnote reads in full: '*Property, Casualty and Personal Lines only'. The asterisk is kept in the title; the footnote text is recorded here. (Tennessee Insurance Content Outlines). Confirm current weights with the testing company before you book.

Tennessee official sources

Unfair trade practices definedTenn. Code Ann. s. 56-8-104 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
Insurance Producers (Tennessee Insurance Producer Licensing Act of 2002)Tenn. Code Ann. tit. 56, ch. 6 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
Policies and Policyholders (life, accident and health, and group provisions)Tenn. Code Ann. tit. 56, ch. 7 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
Insurance Guaranty Association Act (Part 1) and Tennessee Life and Health Insurance Guaranty Association Act (Part 2, 56-12-201 et seq.)Tenn. Code Ann. tit. 56, ch. 12 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
Financial Responsibility Law of 1977 and related motor vehicle insurance provisionsTenn. Code Ann. tit. 55, ch. 12 · Justia (law.justia.com), 2025 Tennessee Code
Department of Commerce and InsuranceTenn. Code Ann. tit. 56, ch. 1 · Justia (law.justia.com), 2025 Tennessee Code
Insurance CompaniesTenn. Code Ann. tit. 56, ch. 2 · Justia (law.justia.com), 2025 Tennessee Code
Rates and Rating OrganizationsTenn. Code Ann. tit. 56, ch. 5 · Justia (law.justia.com), 2025 Tennessee Code

All Tennessee insurance laws and exam sources

Provisions these questions cite most

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

Tenn. Code Ann. § 56-8-104 · Unfair discrimination; geographic location6 questions
Tenn. Code Ann. § 56-2-201 · Property insurance defined5 questions
Tenn. Code Ann. § 56-5-106 · Commercial risk filings; inland marine4 questions
Tenn. Code Ann. § 56-7-130 · Sinkhole losses; coverage availability4 questions
Tenn. Code Ann. § 55-12-1223 questions
Tenn. Code Ann. § 55-12-1392 questions
Tenn. Code Ann. § 56-5-102 · Part definitions; “Residual market mechanism”2 questions
Tenn. Code Ann. § 56-5-107 · Consent to rate2 questions

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

Frequently asked questions

Tennessee's published content outline lists Property 68, Casualty 68 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by Tennessee. Most states use 70%, but check the Tennessee candidate handbook from the testing vendor for the exact figure.

Tennessee uses Pearson VUE, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $55, paid when you register; the exact amount depends on which exam you take. The Tennessee Department of Insurance lists $50 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

It depends on the state and license. Check the Tennessee Department of Insurance for the current Property & Casualty pre-licensing requirement before you register.

Retake rules come from Tennessee and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Tennessee candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Tennessee Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general property & casualty knowledge with Tennessee insurance law.

More Tennessee practice tests

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